Roof Insurance Claim Support

How Crestline Supports Your Insurance Claim

Whether you need targeted repairs or a full replacement after storm damage, our team handles the roofing details so you can focus on your family and your schedule.

What we do for you

• Free damage inspection with a written report and photo package
• Help you understand your policy — deductibles, covered perils, ACV vs. replacement cost
• On-site adjuster meetings to walk through damage together
• Scope review — compare the insurance estimate to what your roof actually needs
• Supplement support when the initial estimate misses items like decking, steep charges, or code upgrades
• Quality restoration — repair or replace per approved scope, with photo closeout for depreciation release
• Final documentation — invoices and completion photos to recover holdback depreciation

What we don't do

We are roofing contractors, not public adjusters or attorneys. We do not:

• Waive, pay, or "cover" your deductible — that is insurance fraud in Georgia
• File claims on your behalf without your authorization
• Guarantee claim approval — that decision belongs to your carrier
• Pressure you to sign before you've spoken with your adjuster

Our role is honest documentation, skilled installation, and clear communication at every step.

Understanding Your Georgia Homeowners Policy

What's typically covered

• Wind damage — lifted, creased, or missing shingles; blown-off ridge caps
• Hail damage — functional bruising that compromises shingle life (not always cosmetic marks alone)
• Fallen trees — when a covered peril damages the roof structure
• Water intrusion — resulting from a covered roof breach, subject to policy limits and exclusions

What's often excluded or limited

• Normal wear and aging — gradual granule loss without a triggering storm event
• Cosmetic-only hail exclusions on some policies (damage that doesn't affect function)
• Maintenance issues — pre-existing leaks from neglected flashing or old boots
• Flood (separate policy) — rising water is not the same as wind-driven rain through a roof opening

Deductibles: flat vs. percentage

Georgia policies may use a flat dollar deductible (e.g., $1,000) or a percentage of dwelling coverage (e.g., 1% of $350,000 = $3,500). Know yours before filing — if repair scope is close to your deductible, a claim may not make financial sense.

Actual cash value vs. replacement cost

Actual Cash Value (ACV) pays depreciated value upfront. Replacement Cost Value (RCV) policies pay ACV first, then release depreciation after work is completed and documented. Most Atlanta homeowners carry RCV on dwelling coverage — confirm on your declarations page.

Mortgage company and claim checks

If you have a mortgage, insurance checks often list both you and your lender as payees. Your lender may require an inspection before endorsing funds. We provide completion documentation to help move that process along, but each lender's rules differ.

Documentation We Provide

Strong claims start with strong evidence. Every Crestline insurance support inspection includes:

• Date-stamped exterior photos of all slopes, ridges, valleys, and penetrations
• Close-ups of hail impacts, wind creases, and lifted shingles
• Test square documentation where applicable (10×10 ft hail assessment grids)
• Attic photos showing decking stains, light penetration, or structural concerns
• Soft metal impact photos — gutters, vents, AC fins — corroborating hail size
• Roof diagram noting damage locations by slope and facet
• Written scope recommendation: repair, partial replacement, or full replacement
• Itemized estimate aligned with industry-standard pricing formats adjusters recognize

When Claims Get Complicated

Denied or underpaid claims

Denials happen — sometimes for pre-existing wear, sometimes for insufficient documentation. If your claim is denied or scoped too low, we can perform a reinspection, provide supplemental photo evidence, and meet a second adjuster visit. See our guide on what to do when a claim is denied.

Repair vs. full replacement disputes

Carriers may prefer spot repairs on older roofs; contractors may recommend replacement when hit density exceeds industry thresholds. We explain the technical basis for our recommendation and work toward a scope that actually protects your home — not a patch that fails next season.

Code upgrades and ordinances

Some policies include Ordinance or Law coverage for required code upgrades during replacement — drip edge, ice-and-water shield at eaves, ventilation changes. We identify code-required items and note them in scope so they're not overlooked.

Emergency tarping during the claim

Active leaks can't wait for adjuster scheduling. We provide emergency tarping to prevent interior damage while your claim is processed, then transition to permanent repair or replacement once approved.

Who Does What: Roles in a Roof Claim

• You (the homeowner) — file the claim, pay your deductible, choose your contractor, endorse checks, approve scope
• Insurance adjuster — evaluates damage, applies policy terms, produces the carrier's estimate
• Crestline (your contractor) — inspects, documents, meets adjuster, performs approved work, provides completion proof
• Mortgage lender — may hold or co-sign claim funds until work is verified complete

Clear roles prevent confusion. We never impersonate adjusters or misrepresent who works for whom.