How to Get a New Roof Through Insurance (Just Pay Your Deductible!)

Did you know that if your roof has storm damage, your homeowner’s insurance may cover the cost of a full replacement — and all you’d pay is your deductible?

If that sounds too good to be true, it’s not. At Voyager Roofing, we help Hawaii homeowners take advantage of their insurance coverage to protect their homes, upgrade their roofing system, and avoid paying out of pocket for major repairs.

Here’s how the insurance roofing process works — and how to know if you qualify.

What Is Insurance Roofing?

Insurance roofing is the process of having your roof replaced or repaired through a valid homeowners insurance claim. When your roof is damaged by a covered event — like high winds, hail, flying debris, or heavy rain — your insurance company may be required to pay for the full cost of a replacement.

Instead of coming out of pocket for $20,000 or more, you pay only your deductible — typically around $1,000–$2,500 — and we handle the rest.

What Kind of Roof Damage Is Covered?

Most homeowners insurance policies cover “sudden and accidental” damage caused by storms or acts of nature. In Hawaii, that often means:

• Wind uplift or missing shingles

• Flying debris from trees or storms

• Heavy rainfall infiltration

• Hail or falling branches

• Roof leaks caused by wind-driven rain

If your roof is old and simply worn out from age, it may not be covered. But if you’ve recently experienced a storm, you could qualify for a full replacement at little to no cost.

How the Insurance Roofing Process Works

Step 1: Free Inspection

Our team will inspect your roof for signs of storm-related damage. If we find eligible damage, we’ll document it with photos and a professional report.

Step 2: File a Claim

We help you understand your policy and walk you through filing the claim with your insurance company.

Step 3: Adjuster Meeting

An insurance adjuster is sent out to inspect your roof. We’ll be there to advocate on your behalf and ensure nothing is missed.

Step 4: Approval & Replacement

Once the claim is approved, we’ll install your brand-new roof — often within just a few weeks — and bill the insurance company directly.

You only pay your deductible. That’s it.

Why Choose Voyager Roofing for Insurance Work?

Not every roofing company understands how to work with insurance — but we do. Our team has helped hundreds of Hawaii homeowners navigate the insurance process, maximize their coverage, and get a high-quality new roof with zero stress.

✅ Local team that understands Hawaii’s unique roofing needs

✅ Full-service support through the insurance process

✅ Premium materials and expert craftsmanship

✅ Clean, respectful job sites and timely communication

We don’t just install roofs — we make the process painless and professional from start to finish.

Don’t Wait — Storm Damage Claims Have a Time Limit

Most policies require damage to be reported within 12–24 months of the event. That means if you’ve had a big storm hit your neighborhood recently, now is the time to act.

Schedule Your Free Roof Inspection Today

Wondering if you qualify? Let’s find out — there’s no cost, no pressure, and no commitment.

👉 Book Your Free Inspection Now

A brand-new roof might be just one deductible away.