Roof Insurance Claim FAQ
Common questions about the roof insurance claim process, answered clearly by Omer Roofing — Middle Tennessee's local roofing and storm damage experts.
Should I call a roofer before filing a claim?
Yes — in most cases, having an inspection first is the smarter move. A professional inspection helps you understand whether the damage is significant enough to justify filing a claim. Filing without knowing what is actually on your roof can create unnecessary stress and may not lead anywhere productive. Starting with an inspection gives you real information to work with.
What does a roof adjuster look for?
An adjuster evaluates the roof for signs of covered damage — typically hail impact, wind damage, falling debris, or other sudden storm-related events. They look at the shingles, metal components, flashings, and related exterior surfaces. They will generally distinguish between storm damage and pre-existing wear, maintenance issues, or age-related deterioration, which are not typically covered.
What is ACV?
ACV stands for Actual Cash Value. It is the replacement cost of the roof minus depreciation. If your policy pays on an ACV basis, the initial payment from your insurance company will reflect the depreciated value of your damaged roof — not the full cost to replace it. Some policies allow you to recover that depreciation later once the work is completed.
What is RCV?
RCV stands for Replacement Cost Value. It represents the full cost to replace the damaged property with materials of like kind and quality, without a deduction for depreciation. Many homeowners' policies include RCV coverage, which means the insurance company may hold back depreciation initially but release it after the work is completed and documented.
What is depreciation?
Depreciation is a reduction in the value of your roof based on its age and condition at the time of the loss. Insurers use depreciation to calculate ACV. A 15-year-old roof, for example, will have more depreciation applied than a 3-year-old roof. If you have RCV coverage, withheld depreciation can often be recovered once repairs or replacement are complete.
What is a deductible?
Your deductible is the amount you are responsible for paying before your insurance coverage applies. For example, if your claim is approved for $12,000 and your deductible is $2,000, your insurance would pay $10,000 toward the work. Deductibles vary by policy. Some policies have a percentage-based deductible for wind and hail specifically — check your policy documents or ask your agent.
What happens if the insurance estimate misses items?
Insurance scopes are sometimes incomplete. An adjuster may not catch every damaged component, or certain line items may be underestimated. When that happens, a roofing contractor can submit a supplement — additional documentation that supports including or correcting specific items. Supplements are a legitimate part of the claims process and are reviewed by the insurance carrier on their merits.
Can Omer Roofing meet with my adjuster?
Yes, when requested, we can be present during the adjuster inspection to walk the roof alongside them and point out what our inspection identified. This is not about disputing the adjuster — it is about making sure all documented damage is reviewed together. Adjuster availability and timing vary by carrier and situation.
Does Omer Roofing guarantee my claim will be approved?
No. We do not guarantee claim approval, and you should be cautious of any contractor who does. Whether your claim is approved, and for how much, depends on your policy, your carrier, and the findings of your adjuster. Our job is to inspect your roof accurately and document what we find — the claim decision belongs to the insurance company.
How long does the claim process take?
The timeline varies considerably depending on the carrier, the complexity of the claim, and how quickly adjusters are available — especially after large storm events when demand is high. Some claims move quickly. Others take weeks or longer if supplements, additional reviews, or re-inspections are needed. We communicate throughout the process so you know where things stand.
What happens after the roof is approved?
Once your claim is approved, you will receive a summary of what the insurance company has agreed to cover. At that point, you can move forward with scheduling the work. We will review the approved scope with you, confirm the project details, schedule production, and complete the job. After completion, any withheld depreciation can typically be requested from the insurance company with proof of work.
When do I owe my deductible?
Your deductible is your out-of-pocket responsibility and is owed at the time of the roof installation. It is paid directly to the roofing contractor — not to the insurance company. Be aware that it is against Tennessee law for a contractor to waive or absorb your deductible. Any contractor offering to "cover your deductible" is a red flag.
Still have questions about your roof or claim?
We are happy to inspect your roof, walk you through what we find, and help you understand your next step — no pressure, no obligation.