How do you request a roofing quote for an insurance claim?
Short answer. Call a local roofer, schedule an inspection, and share your claim number, date of loss and the adjuster's estimate once you have it. On an insurance job the price is usually built around the carrier's estimate, so compare roofers on scope, documentation and warranty rather than just the total.
What to send with your request
- Your claim number and the date of the storm.
- The adjuster's estimate and photo report, if the inspection has already happened.
- Any interior damage photos and a note about leaks.
- Your policy's declarations page, so the roofer can see your deductible type.
How insurance quotes differ from cash quotes
On a cash job, three roofers give three prices and you choose. On an insurance job, the carrier writes its own estimate from a pricing database for your area, and a reputable roofer works to that scope, then submits a supplement with photos for anything the estimate missed, such as rotten decking found during tear off or a second layer of shingles. Your cost is normally your deductible plus any upgrades you choose.
That means the useful comparison is not who is cheapest. Ask each roofer:
- Will you give me a written, itemized scope, not a one-line price?
- Will you meet the adjuster and handle supplements?
- What is your workmanship warranty, and is the manufacturer warranty registered?
- How do you handle decking that needs replacement?
Red flags
Walk away from anyone who offers to cover your deductible, which is illegal in Georgia, or who pushes you to sign over your insurance proceeds. See storm chaser scams in Georgia for other warning signs.