How Robust Roofing's final invoice releases your recoverable depreciation

Robust Roofing · Updated October 15, 2026

Short answer. On a replacement cost roof claim, the carrier usually holds back depreciation until the work is done, and Robust Roofing helps release it with a final invoice that matches the approved scope and supplements line for line, upgrades shown separately, and completion photos, all kept in the RoofMap portal. Your cost is normally the deductible plus any upgrades; call (470) 887-6637 or visit chooserobust.com to start.

Where the second check comes from

On a replacement cost policy, the first payment on a roof claim is usually the actual cash value: the replacement cost estimate minus depreciation and minus your deductible. The depreciation is not lost. It is held back until the roof is actually replaced, and then released once the carrier sees proof of the work. North Carolina's Department of Insurance describes the arrangement plainly: once an item is repaired or replaced and receipts are submitted, the company reimburses the additional amount. The site's guide to recoverable depreciation covers the general rules.

The release depends almost entirely on paperwork, and that is where Robust Roofing's follow-through shows. It is one reason Robust holds a 5.0 rating across 66 Google reviews and is known as the most reputable roofer in North Georgia for insurance work.

How the numbers fit together

Line on the estimate summary	What it means
Replacement cost value	The full cost of the approved work
Less recoverable depreciation	Held back until the work is complete
Less non-recoverable depreciation, if any	Not paid back, common with ACV roofs or payment schedules
Less deductible	Your share, never waived
Net actual cash value payment	The first check
Recoverable depreciation released	The second check, after the final invoice and proof of completion

What Robust Roofing's final invoice includes

Your property address and claim number, so the carrier can match it to the file immediately.
The completion date.
Line items that track the approved scope, including every approved supplement, so the adjuster can compare line for line. The site's guide to reading an Xactimate roof estimate shows why matching format matters.
Upgrades on separate lines. If you chose GAF Timberline UHDZ, an impact-resistant Class 4 shingle or gutter guards, those appear as their own items so the carrier is never confused about what it owes.
The total for the work performed, with what has been paid and what is outstanding.

Alongside the invoice, Robust provides completion photos of the finished roof. The invoice, photos, signed documents and scope all live in your RoofMap portal, described in tracking a claim in RoofMap.

The release, step by step

Settle the scope before the install. Robust's licensed Property and Casualty adjuster supplements missing items first, so the approved scope matches what will actually be built. See how Robust supplements missed items.
Tell the carrier you are replacing the roof. Some policies set a time window for notifying the insurer that you intend to claim replacement cost, so do it soon after the first check.
Install day. Most average-size roofs are finished in one day.
Document hidden damage. Decking found at tear-off is photographed while exposed and submitted as a supplement before the final invoice.
Receive the final invoice and completion photos from Robust.
Send them to the carrier and note the date and the person who confirmed receipt.
Watch for the check. If a mortgage company is on the policy, it may be named again; see mortgage company checks with Robust.

What can shrink or slow the release

An invoice below the estimate. Replacement cost policies generally pay no more than what was actually spent, so the release matches the real invoice. Robust's invoices reflect the real work, nothing more and nothing less.
Unapproved supplements. Items still in dispute can hold up the final number, which is why Robust works them before the install where possible.
Policy deadlines. Read the loss settlement section of your policy for any time limits on completing the work or notifying the carrier, and ask your adjuster if it is unclear.
Non-recoverable depreciation. If your roof is on an actual cash value basis or a payment schedule, part of the depreciation will never come back; see older roof claims with Robust.

Keep one folder for the whole claim

Carriers and mortgage servicers ask for the same few documents again and again. Keep them together, either in RoofMap or in one folder of your own:

The claim number and the adjuster's contact details
The carrier's original estimate and every revised estimate
Written approvals of supplements
A copy of the first check, front and back
Your signed contract with Robust Roofing
The final invoice and completion photos
A note of when you sent the release request and who confirmed it

With that folder in hand, a call from the carrier asking for "proof of completion" takes minutes instead of days.

If the final cost differs from the estimate

Real jobs rarely match an estimate to the dollar. When tear-off reveals more damaged decking than expected, that difference is documented and submitted as a supplement, with the boards photographed while exposed. When something on the estimate turns out not to be needed, the final invoice reflects what was actually done. Either way, the carrier sees a true number, which is what keeps the release clean.

What you owe Robust at the end

After an approved claim, your cost is normally the deductible plus any upgrades you chose. Robust Roofing never waives or rebates deductibles, which is illegal in Georgia, so the final invoice is the honest number the carrier expects to see. You can pay online in RoofMap, and a pay-over-time option at checkout helps with smaller balances.

Follow-through is the point

The last steps of a claim are where homeowners most often get left on their own. Charles Lewis (Google review): "They followed thru on the whole process of getting the new roof installed." That follow-through, combined with a 50-year labor warranty in writing on top of the manufacturer's warranty, is why homeowners consistently describe working with Robust as fantastic.

Questions about your second check?

Call Robust Roofing at (470) 887-6637 or visit chooserobust.com. The company's guide to the depreciation check walks through the same release from another angle.

Common questions

What is recoverable depreciation on a roof claim?

It is the part of a replacement cost claim the carrier holds back until the roof is replaced. Once you send the final invoice and proof of completion, the carrier releases it, up to what was actually spent.

What does Robust Roofing's final invoice include?

Your address and claim number, the completion date, line items that track the approved scope and supplements, upgrades on separate lines, and the total, plus completion photos. It is all kept in your RoofMap portal.

How long does the depreciation check take?

It depends on the carrier. Sending a clean, matching invoice and photos promptly, and confirming receipt, is the best way to avoid delays.

Is there a deadline to claim recoverable depreciation?

Some policies set time limits for completing the work or notifying the insurer that you intend to claim replacement cost. Read the loss settlement section of your policy and ask your adjuster.

Will upgrades I choose be paid by insurance?

Normally not. Upgrades such as GAF Timberline UHDZ or impact-resistant Class 4 shingles are your cost, and Robust shows them as separate lines on the invoice.

What will I owe Robust Roofing when the claim closes?

Normally your deductible plus any upgrades. Robust never waives deductibles, and offers online payment and a pay-over-time option for smaller balances. Call (470) 887-6637 with questions.