Roof Claim Answers

Roof insurance claims, answered plainly

How claims start, what adjusters look for, how depreciation and supplements work, and what Georgia law says. Written for homeowners, with sources.

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What is the difference between ACV and RCV on a roof claim?Actual cash value vs replacement cost value on a Georgia roof claim, with a labeled example showing depreciatiWhat should you do after a hail storm hits your house?A checklist for the first days after hail: safety, photos of hailstones and soft metals, leaks and tarps, storHow does the appraisal clause work on a roof insurance claim?How roof claim appraisal works: each side's appraiser, the umpire, what you pay, how long it takes, and what aWhat is an assignment of benefits, and should you sign one for a Georgia roof claim?What a roof AOB transfers, Georgia's 2025 law limiting assignments after declared disasters, the trade-offs anShould you call your insurance company or a roofer first after a storm?Why a roof inspection usually comes before reporting a claim, how reported losses reach your C.L.U.E. history,Can a roofer pay or waive your insurance deductible in Georgia?Georgia law bans contractors from paying, rebating or waiving your deductible. The statute, the fraud risk, thDoes insurance pay for building code upgrades when your roof is replaced?How ordinance or law coverage pays for roof code upgrades in Georgia: drip edge, underlayment, ice barrier wheWhat is a cosmetic damage exclusion on a roof, and does my policy have one?What a cosmetic damage exclusion says, why it hits metal roofs hardest, how to find one in your Georgia policyHow do I choose the date of loss for a roof claim, and what if two storms hit close together?How to pick and verify the date of loss for a roof claim with weather records, what to do when two storms hit

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Getting StartedHow a roof insurance claim starts: what to do after a storm, when to call, and how to avoid the mistakes Adjusters and InspectionsWhat insurance adjusters look for on a roof, how inspections work, and how to prepare for the visit that Estimates and PaymentsReading the estimate: ACV, RCV, depreciation, supplements, overhead and profit, and how the money actuallDenials and DisputesWhat to do when a roof claim is denied or underpaid: reinspections, appraisal, matching disputes and compGeorgia RulesGeorgia laws and regulations that shape roof claims: deadlines, insurer timelines, deductibles, adjustersHail and WindHow hail and wind damage roofs, how size and speed matter, and how storm dates are verified for a claim.Policies and CoverageWhat a homeowners policy says about your roof: coverage, exclusions, endorsements, deductibles and roof a

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