Filing a roof insurance claim feels overwhelming the first time. Multiple parties — you, your contractor, the adjuster, sometimes a mortgage company — all need to align. Breaking it into steps makes the process manageable.
Step 1: Inspect and Document
After a storm, schedule a professional roof inspection. Your contractor should photograph all damage with date stamps and note locations on a roof diagram. Don't wait for water stains inside — document exterior damage while it's fresh.
Step 2: Review Your Policy
Know your deductible, whether it's a flat amount or a percentage of dwelling coverage, and what perils are covered. Wind and hail are standard; cosmetic exclusions vary by carrier.
Step 3: File the Claim Promptly
Call your insurer's claims line or use their online portal. Provide the date of loss, a brief description, and that you've had a contractor inspection. Ask for a claim number and adjuster assignment timeline.
Step 4: Meet the Adjuster On-Site
Your roofing contractor should be present during the adjuster visit. They can point out damage you might miss and discuss repair vs. replacement scope. Compare the adjuster's report to your contractor's estimate.
Step 5: Review the Scope and Payment
Insurance typically pays actual cash value first, then releases depreciation after work is complete and invoiced. If you have a mortgage, the check may include your lender as a payee — they'll have their own endorsement process.
Step 6: Choose Your Contractor and Schedule Work
Sign a contract with a clear scope matching the approved claim. Avoid paying full price upfront. Reputable companies invoice after milestones or completion.
Step 7: Complete and Close the Claim
Submit final invoices and photos to release holdback depreciation. Keep copies of all paperwork for your records and for future home sale disclosures.
Crestline Home Roofing walks Atlanta homeowners through each step. Start with our storm damage service page or call (706) 600-3177.