How to File a Roof Insurance Claim the Right Way

Filing a roof insurance claim can feel overwhelming — especially right after a storm when you're stressed and your home may be damaged. We've helped hundreds of Georgia homeowners navigate this process, and we've seen what works and what doesn't. Here's an honest, step-by-step guide.

Step 1: Document Everything Before You Call Anyone

Before you call your insurance company or a contractor, document the damage yourself. Take photos and video of everything you can safely see — from the ground, from inside your attic, and any interior water damage. Note the date and time of the storm event.

This documentation protects you throughout the claims process.

Step 2: Call a Reputable Roofing Contractor First

This is the step most homeowners skip — and it's the most important one. A good roofing contractor will:

• Inspect your roof and give you an honest assessment of the damage
• Tell you whether the damage is likely covered by insurance
• Help you document the damage properly for your claim
• Be present during the adjuster's inspection

Be cautious of contractors who show up unsolicited after a storm and pressure you to sign anything immediately. A reputable contractor will give you time to make an informed decision.

Step 3: File Your Claim Promptly

Most insurance policies have time limits for filing storm damage claims — often 1 year from the date of loss, but sometimes less. Don't wait. Call your insurance company, report the damage, and get a claim number.

Step 4: The Adjuster's Inspection

Your insurance company will send an adjuster to inspect the damage. Have your roofing contractor present for this inspection. A good contractor knows what adjusters look for, can point out damage that might be missed, and can advocate for a fair settlement on your behalf.

You have the right to have a contractor present. Don't let anyone tell you otherwise.

Step 5: Review the Estimate Carefully

The adjuster will provide an estimate called a "scope of loss." Review it carefully with your contractor. Make sure it covers all the damage, uses current material prices, and includes proper code upgrades if required. If the estimate seems low, you can negotiate or request a re-inspection.

Step 6: Understand Your Policy

Two key terms to understand:

• ACV (Actual Cash Value): Pays the depreciated value of your roof. You'll receive less than replacement cost.
• RCV (Replacement Cost Value): Pays the full cost to replace your roof with like materials. Most policies are RCV, but you typically receive the ACV first, then the "recoverable depreciation" after the work is completed.

A Word of Honesty

We believe in doing right by our customers — which means we'll tell you when damage doesn't warrant a claim, and we'll never encourage you to file a fraudulent claim. Insurance fraud drives up premiums for everyone and can result in serious legal consequences. Our job is to help you get what you're legitimately owed, nothing more.