What are the most common roofing insurance questions and answers?
Does homeowners insurance cover my roof?
It covers sudden damage from covered perils like hail, wind, falling trees, and fire. It does not cover wear, age, or poor installation. See when insurance covers replacement.
Will filing a claim raise my premium?
It can, depending on the insurer, the type of claim, and your history. Weather claims are often treated differently from water or liability claims.
Can a roofer pay my deductible?
No. In Georgia, a contractor waiving or rebating your deductible is illegal.
Why was my first check so small?
Usually because depreciation was withheld and the deductible subtracted. On a replacement cost policy, the depreciation is released after the work is done and invoiced. See ACV versus RCV.
Why is my mortgage company on the check?
Lenders have a financial interest in the house and are named on dwelling payments. They endorse the check, sometimes releasing funds in stages.
How long do I have to file?
Your policy controls. Expect a prompt notice requirement and possibly a one year limit for wind and hail claims, so do not wait.
Do I have to use the insurer's contractor?
No. You may hire any qualified roofer you trust.
What if the adjuster only approves a repair?
Ask for a reinspection with evidence such as test square counts, brittle tests, or proof that a matching shingle is unavailable. See reinspection requests.
Can I upgrade my shingles?
Yes, by paying the difference yourself. Insurance pays for like kind and quality.
Who can negotiate my claim for me?
In Georgia, a licensed public adjuster or an attorney. A roofer can document and scope the roof work and meet the adjuster, but cannot negotiate the claim on your behalf.