What should you do if the insurance adjuster's offer is too low?
Short answer. Get the full written estimate, compare it line by line with your roofer's itemized scope, and send the insurer a written response that shows exactly what was missed or underpriced, with photos and measurements. If that does not resolve it, request a reinspection, then consider the appraisal clause, a public adjuster, or a complaint to the Georgia Office of Insurance and Safety Fire Commissioner.
A low first offer is common and often fixable. Most gaps come from the estimate's details rather than a refusal to pay, so the fix is usually line by line.
Where roof estimates usually come up short
- Measurements: wrong square count, wrong pitch, or a waste factor too small for a cut-up roof.
- Missing components: drip edge, starter strip, ridge cap, ice and water barrier in valleys, step and counter flashing, pipe boots and vents.
- Labor factors: steep or high roof charges, extra layers to tear off, permits and code items.
- Repair instead of replacement: a patch priced on slopes where matching shingles are unavailable or the shingles are too brittle to repair.
- Depreciation: an age or life expectancy that does not fit your roof.
- Collateral: gutters, screens, siding or fence damage left out.
- Overhead and profit: omitted when a general contractor is reasonably needed.
How to push back effectively
- Get the full written estimate and the adjuster's photos.
- Have your roofer prepare an itemized scope with measurements and photos, matched to the insurer's line items.
- Send a written request that explains each difference, and ask for a supplement or a reinspection.
- If you still disagree only on the amount, look at the appraisal clause.
Before you deposit the check
Read the check and the cover letter. Most roof claim payments are partial payments on an open claim, but if you see language like "full and final settlement," ask the insurer in writing whether depositing closes the claim. In Georgia, an insurer that refuses in bad faith to pay a covered claim after a proper demand can face penalties; read about Georgia bad faith rules before taking that route.