How do I know if I should file a roof insurance claim after a storm?

Start with a professional storm damage roof inspection. Hail and wind damage are not always visible from the ground, but can lead to leaks later. Inspector Roofing & Restoration provides free roof inspections in Alpharetta, Roswell, Milton, Johns Creek, Cumming and Metro Atlanta, documents storm damage with photos, and then helps you decide whether it makes sense to file a roof insurance claim or simply handle repairs if the damage is below your deductible.

What is the difference between ACV and RCV on my roof insurance policy?

ACV, or Actual Cash Value, is the depreciated value of your existing roof after age and wear are deducted. RCV, or Replacement Cost Value, is the full cost to replace the roof with similar materials at today’s prices. On most RCV roof insurance policies, homeowners pay their deductible and then insurance pays the remaining covered amount in two stages: an initial ACV payment and a second payment for recoverable depreciation after the new roof is installed and documented.

Will my roof insurance claim pay for repairs or a full roof replacement?

Whether a claim pays for repairs or full roof replacement depends on the severity of storm, hail, and wind damage, along with your policy language and how the estimate is written. Many roofs are initially marked as repairable, but shingles can be brittle, creased, or aged to the point that spot repairs are not reasonable or code-compliant. Inspector Roofing & Restoration performs repairability tests, brittle tests, and test squares to document what happens when shingles are lifted and worked, and uses those results to support full replacement when appropriate.

What does my deductible mean on a roof insurance claim?

Your roof insurance deductible is the portion you are required to pay when you have a covered loss. Insurance typically pays up to the approved replacement cost value minus your deductible and any non-covered items. For example, if an approved roof replacement is $20,000 and your deductible is $2,500, the carrier usually pays around $17,500 and you are responsible for the $2,500 deductible and any optional upgrades. Inspector Roofing & Restoration helps homeowners clearly understand what the insurance company is paying and what the homeowner is paying before work begins.

What if my roof insurance claim is denied or underpaid?

A denied or underpaid roof insurance claim is not always the final answer. If your roof was hit by hail or wind in Alpharetta, Roswell, Milton, Johns Creek, Cumming or surrounding Metro Atlanta areas, Inspector Roofing & Restoration can review the denial letter and carrier photos, perform an independent storm damage roof inspection, run brittle and repairability tests in the proposed repair areas, and provide documentation that may support a re-inspection or supplemental review so you can pursue a fair, code-compliant solution.

Do you work with my insurance company and adjuster during the roof claim process?

Yes. While Inspector Roofing & Restoration is not a public adjuster and does not interpret policy coverage, the team works on the roofing side of the insurance claim every day, including detailed roof inspections with photos and video, on-site meetings with the insurance adjuster, construction estimates and supplements for missing or code-required line items, and code-compliant roof replacement and roof repair. This helps ensure that the scope of work matches what it actually takes to restore your roof properly.

Which areas do you serve for roof insurance claims?

Inspector Roofing & Restoration provides roof insurance claim assistance, storm damage roof inspections, roof repair, and full roof replacement in Alpharetta, Roswell, Milton, Johns Creek, Cumming and surrounding Metro Atlanta communities. Homeowners who believe their roof was damaged by hail, wind or severe storms can contact the team for a free roof inspection and guidance on the roof insurance claim process.

Inspector Roofing & Restoration • Roof Insurance FAQs

Roof Insurance FAQs for Storm, Hail & Wind Damage in Metro Atlanta

If your home has storm, hail, or wind damage, this guide explains the roof insurance process in plain English. Designed specifically for homeowners in Alpharetta, Roswell, Milton, Johns Creek, Cumming and Metro Atlanta.

Call Now: (678) 287-7169

Request a Free Roof Insurance Inspection Call (678) 287-7169

Serving Alpharetta, Roswell, Milton, Johns Creek, Cumming and all of Metro Atlanta.

Understanding Roof Insurance After Storm, Hail & Wind Damage

Inspector Roofing & Restoration walks you through inspections, documentation, carrier communication, and how roof insurance approvals really work after severe weather.

Roof Insurance Frequently Asked Questions

Click a question below to expand.

How do I know if I should file a roof insurance claim?

Start with a professional storm damage inspection. Damage from hail and wind is often invisible from the ground but can lead to leaks later.

We provide free roof inspections across Metro Atlanta and document storm damage with photos so you can make the right decision before filing a claim.

What is the difference between ACV and RCV?

ACV = your roof’s depreciated value.
RCV = the full replacement cost at today’s prices.

Most homeowners have RCV policies, meaning you pay your deductible and insurance covers the rest, paid in two stages: ACV and then depreciation after completion.

Will my roof insurance pay for repairs or full replacement?

It depends on the extent of storm, hail, or wind damage. Many roofs start labeled “repairable,” but real-world shingles can be:

Brittle
Creased
Aged beyond repair

We run brittle tests and repairability tests to prove whether repairs are possible — or if the roof requires full replacement.

What does my deductible mean?

Your deductible is your required portion of a covered roof claim.

Example:

Approved roof: $20,000
Deductible: $2,500
Insurance pays: $17,500

We make sure you understand every line of what you're paying versus what insurance is paying.

What if my claim is denied or underpaid?

We can help by:

Reviewing the denial letter
Performing a new inspection
Running brittle / repair tests
Requesting a re-inspection if documentation supports it

Do you work with my insurance adjuster?

Yes — we handle the roofing side of the claim:

On-site adjuster meetings
Photo & video documentation
Supplements for missing line items
Code upgrades when required

Which areas do you serve?

We assist homeowners with storm damage roof claims in:

Alpharetta
Roswell
Milton
Johns Creek
Cumming
Metro Atlanta

Still Have Roof Insurance Questions?

Let Inspector Roofing & Restoration inspect your storm damage and walk you through the entire roof insurance claim process.

Schedule My Free Roof Insurance Inspection Call Now: (678) 287-7169