How do you write a roof replacement letter to your insurance company?
Short answer. Keep it factual and specific: your name, policy and claim numbers, the property address, the date of loss, what you are asking for (for example, full replacement instead of repair, or a reinspection), and the evidence that supports it. Attach photos and your contractor's documentation, and send it in a way that creates a record, such as email or certified mail.
A simple structure
- Header: your name, property address, policy number, claim number, date of loss, and the adjuster's name.
- Purpose in one sentence, such as: I am requesting a reinspection and reconsideration of the repair only decision on my roof.
- What happened: the storm date and a brief description of the damage you found.
- What you disagree with: name the specific items, such as slopes left out, test square counts, or a repair decision on brittle shingles.
- Your evidence: list each attachment and what it shows.
- Your request: the specific action, such as a reinspection with your contractor present, a revised estimate, or a written explanation of the decision under the policy.
- Close: your contact details and a reasonable date for a response.
What to attach
- Dated photos of each slope, with hail hits marked or wind damage visible
- Test square counts by slope
- Photos of damaged gutters, vents, screens, and other soft metals
- Repairability evidence, such as a brittle test video or shingle identification showing the product is discontinued
- Your contractor's estimate or scope, if it differs from the adjuster's
Tone and delivery
Stay factual and polite, and skip threats and opinions about the adjuster. Send it by email or through the insurer's portal and keep a copy, or use certified mail. Note the date sent and follow up if you hear nothing.
If the answer is still no
Your next options may include a formal reinspection request, the appraisal clause for disputes over the amount, or a complaint to the Georgia Office of Insurance and Safety Fire Commissioner.