How a roof claim actually works
- Free damage inspection. We photograph every hail bruise, lifted shingle, and dented soft metal — gutters, vents, flashing — and date-stamp it against the storm.
- You file the claim. You call your carrier with the date of loss. We provide the documentation.
- We meet the adjuster. This is the step most homeowners skip and shouldn't. The adjuster's inspection decides the entire claim — we're on the roof with them, pointing at everything we documented.
- Scope and approval. The carrier issues a scope of work and first payment. We review it line by line and file supplements for anything missed.
- We build the roof. Same crew and standards as our retail jobs. After completion, the carrier releases recoverable depreciation on RCV policies.
ACV vs RCV — check your policy
RCV (replacement cost value) policies pay today's cost to replace the roof — you get the depreciated amount up front and the rest after the work is complete. ACV (actual cash value) policies pay only the depreciated value of your old roof; a 15-year-old roof might be depreciated 50% or more. It's one line on your declarations page and it changes everything about what you'll receive.
Denied claim? Here's what we do
Many denials come down to weak documentation or an adjuster inspecting alone. We re-inspect the roof, build a photo report tied to the storm date, and request a re-inspection with our documentation in hand. We've helped hundreds of Georgia homeowners turn a denial into an approved claim. No documentation games, no promises we can't keep — just the damage, photographed properly, presented by people who know what adjusters look for.
One thing we won't do: waive deductibles or inflate scope. That's insurance fraud in Georgia, and any contractor offering it is putting your claim — and you — at risk.
Siding and gutters count too
Hail that damages a roof usually damages siding and gutters as well. If your damaged siding can't be matched — a common issue with discontinued vinyl profiles — the claim may cover more than one wall. We document the whole exterior, not just the roof.
Insurance claim FAQs
Will insurance cover my roof in Georgia?
If the damage came from hail, wind, or a fallen tree — usually yes, minus your deductible. Age and wear are not covered, which is why documenting storm damage properly matters.
My claim was denied — is appealing worth it?
Often yes. We re-inspect, rebuild the documentation, and request a re-inspection. Many denials are documentation problems, not damage problems.
What's ACV vs RCV?
RCV pays today's replacement cost (depreciation released after the build). ACV pays only the depreciated value. It's on your declarations page.
Should my contractor meet the adjuster?
Yes — the adjuster's inspection decides the claim. We're on the roof with them pointing out every documented damage point.
How long do I have to file in Georgia?
Most policies require prompt notice and many cap claims at one to two years after the date of loss. File soon after the storm.
Free claim inspection with photos of everything we find — before your carrier ever sees the roof. No cost, no obligation.
Or call now: (770) 758-2895We'll call you shortly to schedule your free claim inspection.