What does a typical roof replacement claim look like?
Short answer. A typical roof replacement claim runs from a storm and inspection, to filing and an adjuster visit, to a first check for the actual cash value minus your deductible. After the roof is installed, the contractor sends a final invoice and the insurer releases the held back depreciation.
The usual sequence
- Storm and inspection. A roofer inspects and photographs damage, ideally before you file.
- Filing. You report the claim with the date of loss and photos.
- Adjuster inspection. The carrier's adjuster inspects, counts damage per slope and writes an estimate. After big hail events this can take a few weeks.
- Estimate and first check. You receive the estimate and a check for actual cash value minus your deductible. If you have a mortgage, the lender is often named on the check.
- Installation. An average roof is usually replaced in one day.
- Supplements. Items found during tear off, such as rotten decking, are documented and submitted.
- Final invoice and depreciation. The roofer sends the completed invoice and the insurer releases recoverable depreciation.
What a typical claim pays for
Tear off and disposal, underlayment, shingles with waste, starter, ridge cap, drip edge, flashing, pipe boots and vents, plus steep or high roof charges when they apply. Some claims include overhead and profit. Gutters, screens and siding damaged by the same storm can be part of the claim too.
What you pay
Your deductible, any upgrades you choose, and items your policy excludes. Code items depend on whether you have ordinance or law coverage.
See the Georgia roof claim timeline and what to do when the mortgage company is on the check.