Insurance sent me a check for my roof. Now what?
Short answer. Read the estimate that came with the check, confirm the scope and roof measurements are right, and have a roofer compare it before you sign anything. Then deposit or endorse the check toward the work, coordinate with your mortgage company if it is named, and keep track of the depreciation you can recover after the job.
- Match the check to the estimate. The check should equal the estimate's net claim. If it does not, call your adjuster.
- Read the scope. Is it a full replacement or a repair of some slopes? Are gutters, vents, and flashing included?
- Get a roofer's review. A roofer can compare squares, pitch, and missing items and send a supplement if needed.
- Check the payees. If the mortgage company is on the check, call its loss draft department.
- Sign a contract carefully. Georgia law lets you cancel a roofing contract that depends on insurance if the claim is denied; your contract should state the time window.
- Note your deadlines. Time limits for repairs and for claiming recoverable depreciation.
- Pay as work progresses. A deposit, then the balance at completion, plus your deductible.
- Submit the final invoice. That releases any recoverable depreciation.
What if the check seems too low?
Do not just cash it and walk away. A low check often means missing items or a repair-only scope. Ask for a reinspection or have your roofer supplement with photos. Cashing the first check usually does not end your claim, but read the paperwork in case anything says it is a final settlement.
What if there is no check for the roof itself?
If the estimate came in below your deductible, there is no payment. That can mean the damage really is small, or that the adjuster missed hits. A second opinion helps you decide whether to request a reinspection.
Related: requesting a reinspection, roof supplements, and mortgage company on the check.