Huntsville Roofers Helping Homeowners Navigate Insurance Claims

1. File Your Claim

   The first step is to contact your insurance company and file a claim. They will ask for:

   • The date of loss (when the damage occurred)
   • The type of damage affecting your roof

   If you're unsure of these details, our expert inspectors can help determine them for you based on storm data and a thorough roof assessment.

2. Adjuster Inspection

   After filing, your insurance company will assign an adjuster and schedule a site visit to inspect the damage.

   • We strongly recommend having our inspector meet the adjuster on-site to act as your advocate.
   • Insurance adjusters may not always identify all the damage, but our team ensures nothing is overlooked.

3. Reviewing Your Insurance Estimate

   If the adjuster approves your claim, they will provide a summary or scope of work, detailing what’s covered.

   • Insurance companies use a program called Xactimate to calculate pricing based on your area.
   • Our team will review this estimate with you to ensure all necessary roof components are included.
   • Many adjusters leave off required code upgrades—we work to get these added to ensure your new roof meets current building codes.

4. Receiving Your Initial Insurance Check

   Once your claim is approved, your insurance company will issue an initial check for the approved amount.

   • In many cases, the check is made payable to both you and your mortgage company.
   • You will need to get the check endorsed by your mortgage company before depositing it.

5. Completing Your Roof & Final Insurance Payment

   After we complete your roof replacement:

   • We provide an invoice to your insurance company.
   • If your policy includes recoverable depreciation, your insurer will release the remaining funds after receiving our invoice.

When you file a roof damage claim, your insurance company will assign a claims adjuster to assess the extent of the damage and determine what will be covered under your policy. While adjusters play a critical role in the claims process, it’s important to understand how they operate and why having a roofing professional on your side can make a difference.

What Does a Claims Adjuster Do?
A claims adjuster is responsible for:

• Inspecting your roof to determine if the damage qualifies for a claim.
• Evaluating whether the damage was caused by a covered event (such as hail or wind) or general wear and tear.
• Creating a damage report and estimating repair or replacement costs using a program called Xactimate
• Providing a scope of work detailing what the insurance company will cover.

Why You Need an Advocate on the Roof
While most adjusters aim to be fair, their primary responsibility is to the insurance company—not the homeowner. This can sometimes result in:

• Missed storm damage that should be covered.
• Underestimated repair costs, leading to out-of-pocket expenses.
• Exclusions of necessary upgrades, such as code-required improvements.

By having one of our expert inspectors present during the adjuster's visit, you gain a knowledgeable advocate who can:

• Ensure all damage is properly documented.
• Clarify the full scope of necessary repairs.
• Negotiate for fair compensation and code-compliant work.

What If Your Claim Is Denied or Underpaid?

If your insurance adjuster denies the claim or provides an insufficient settlement, you’re not out of options. We can help you:

• Request a reinspection with additional documentation.
• Supplement your claim if key repairs were left out.
• Provide expert insights to support an appeal if necessary.

Having a trusted roofing professional involved in the claims process ensures that you get the full coverage you deserve. Don’t leave it to chance—schedule an inspection today and let us help you through the process!

Schedule Free Inspection

Once your insurance adjuster inspects your roof and determines that storm damage is covered under your policy, they will calculate the claim payout using a standardized pricing system. Understanding how this process works can help you ensure you receive the full compensation needed to properly restore your roof.

Your deductible is the amount you’re responsible for paying out of pocket before your insurance covers the rest of your roof replacement or repairs.

When filing a roof damage claim, depreciation plays a key role in determining how much your insurance will pay. Depreciation accounts for the age and condition of your roof, reducing the payout based on wear and tear over time.

Your claim will typically be based on one of two coverage types: