One important question to ask a roofing contractor about an insurance-related repair is who writes the estimate and what software they use. Xactimate is widely used property-loss estimating software, and matching formats allow direct line-item comparison when the carrier also uses it. The questions below cover inspection, documentation, materials, timeline, and who does the repair.
Questions to Ask a Roofing Contractor About Your Insurance Claim
Ask these before you sign anything. A contractor who can’t answer them specifically, by name and credential, is asking you to trust a process you can’t verify.
Who Inspects the Roof, and What Does the Report Include?
Ask who will inspect the roof and what the written report contains: photos tied to specific slopes and elevations, measurements, observed impact patterns, and a damage count rather than only a summary paragraph. The report should explain how the inspector reached each conclusion and distinguish observed conditions from the carrier’s coverage decision.
Who Writes the Estimate, and Is It in Xactimate?
Ask who writes the estimate and which format they use. Integrity CRR’s in-house staff writes roofing estimates in Xactimate, widely used property-loss estimating software. When the carrier also uses Xactimate, Integrity can compare corresponding line items and document supported differences in quantities, operations, or pricing. The carrier decides coverage and payment under the policy. Read more on the roofing and storm restoration pages.
Will Anyone Document the Damage Directly to the Adjuster?
Ask whether the person who wrote the estimate — not a salesperson — is the one preparing the construction documentation for the carrier. Integrity CRR’s in-house estimator documents site conditions with photos and Xactimate line items and submits that documentation alongside the adjuster’s estimate. That is different from negotiating or settling a claim, which is licensed public-adjuster work in Georgia.
Is Your Policy Paying Actual Cash Value or Replacement Cost?
Ask which valuation provisions your policy carries, because actual-cash-value and replacement-cost terms handle depreciation differently. Ask the carrier or a licensed agent to explain the payment sequence, whether any depreciation is recoverable, and which completion records are required. Integrity CRR can prepare construction invoices and scope documentation for carrier review.
Will the New Materials Match What’s Already on the Roof?
If only part of the roof is damaged, ask whether the estimate covers a full replacement or a partial repair, and whether matching shingles or panels are actually available. Discontinued colors and profiles are a common reason for disputes over whether a full slope — or the full roof — has to come off instead of a patch. A contractor who’s handled this before will tell you up front whether matching material exists.
What Happens if the Carrier’s Estimate Comes in Low?
Once a claim is approved, Integrity CRR’s in-house Xactimate staff writes a detailed repair scope based on observed conditions. That may include applicable code upgrades, detached structures when relevant, and labor or materials documented after the roof is opened during authorized work. If the approved estimate appears incomplete, Integrity documents supported differences and submits a supplement request. The carrier decides coverage and payment under the policy; Integrity does not guarantee an insurance outcome.
Does the Same Company That Writes the Estimate Do the Repair?
Integrity CRR self-performs roofing with its own crews, writes roofing estimates in house using Xactimate, and currently holds Georgia company license GCCO009212. Verify the live company and qualifying-agent records before award. See bounded records on the projects page.
Will the Contractor Waive My Deductible?
If a contractor offers to waive your deductible or calls the job “free” after insurance pays, that’s a red flag. Waiving a deductible misrepresents the loss to the carrier and is insurance fraud in most states, including Georgia. Integrity CRR does not waive deductibles or advertise “no out-of-pocket cost” roofing — the deductible is the owner’s responsibility under the policy.
What Manufacturer Certifications Should the Roofer Hold?
If a proposal relies on a GAF, Mule-Hide, or other manufacturer program, verify the exact contracting entity, system, tier, current standing, and warranty path directly with the manufacturer. Do not infer warranty eligibility from a general website claim.
How Long Does the Process Take, From Inspection to Repair?
Ask for a realistic range, not a promise. A documented inspection and Xactimate estimate take time to prepare after the roof is walked. The adjuster meeting and any back-and-forth over line items can add time, and a supplement request can add more. Material lead times and weather windows push the finish date further. A contractor who gives one firm date before the carrier has even approved the claim isn’t giving you a real answer.
Is the Contractor Licensed, Bonded, and Registered in Your State?
Get the license number and check it before signing anything. Integrity CRR, LLC currently holds Georgia company license GCCO009212, with Zachary Chastain Whyte as qualifying agent under GCQA009212. Georgia board minutes document both May 21, 2025 issuances; verify the current records in the live state lookup. Integrity CRR is currently SBA VetCert-certified as an SDVOSB and its SAM.gov registration is active, but bonding and set-aside eligibility remain project- and solicitation-specific.
What a Roof Costs If It Isn’t Fully Covered
Deductibles, code upgrades the carrier didn’t include, and betterment on an older roof can leave a gap between the approved claim and the full job. These are general Southeast market ranges published across the industry, not a quote from Integrity CRR — an on-site estimate is required for an actual number.
| Roof Type | Metro Atlanta Market Range | What Moves It |
|---|---|---|
| Asphalt shingle (architectural) | $450–$650 per square | Steep pitch, multiple layers to tear off, and complex valleys push it toward the top |
| Standing-seam metal | $900–$1,400 per square | Panel gauge, custom flashing, and roof complexity drive the range |
| Commercial single-ply (TPO/EPDM) | Project-specific estimate; use the commercial roof bid-comparison guide | Insulation thickness, deck condition, and drainage work affect the proposal |
The policy terms, deductible, approved repair scope, and carrier’s payment decision determine the owner’s cost. Compare those figures before work starts rather than assuming a supplement will close the gap.
Ask Before You Sign, Not After the Roof Is Off
A contractor who welcomes these questions and can answer them by name, license number, and credential is operating the way the process is supposed to work. One who can’t say who’s writing the estimate — or offers to waive your deductible — is asking for trust they haven’t earned. Integrity CRR works with property owners across Atlanta and the surrounding metro on this process — inspection, Xactimate scope, adjuster documentation, and self-performed repair.
Call (833) 423-6255 or contact us to schedule a documented roof inspection.
Frequently Asked Questions
Do I need a public adjuster, or can a roofing contractor handle my insurance claim?
A contractor can inspect the roof, document observed conditions, write a repair scope in Xactimate, and submit supplements, but negotiating or settling a claim is licensed public-adjuster work in Georgia. Xactimate is widely used, and line items can be compared directly when the carrier uses the same platform. Integrity CRR writes the scope and documents the damage as the contractor, not a public adjuster — the coverage decision stays between you and your carrier.
Should I let the roofing contractor talk to my insurance adjuster?
Yes. An inspector or estimator can walk through specific line items and documented site conditions rather than relying on a general description. Integrity CRR’s in-house team submits construction documentation for the carrier to evaluate and does not negotiate settlement terms.
What if my insurance company’s estimate is lower than what the roofer says the repair should cost?
Ask the contractor to identify specific, supported differences in quantities, operations, or pricing. Integrity CRR compares its Xactimate scope line by line when the carrier used the same platform and documents supported gaps for a supplement request.
What’s the difference between actual cash value and replacement cost coverage?
Actual cash value pays the depreciated roof value and holds back the rest until the repair is finished and documented; replacement cost value pays the full cost. Ask which one your policy carries — it changes how much you owe before the final payment arrives.
Can a roofing contractor legally waive my insurance deductible?
No. Waiving or absorbing a deductible misrepresents the loss to the carrier and is insurance fraud in most states, including Georgia. A “free roof” or “no out-of-pocket cost” offer after insurance pays is asking you to take on that liability too.
Does a roofing contractor need to be licensed in my state to handle an insurance claim repair?
Verify the contracting entity’s applicable live license before signing anything. The Georgia board’s 2025 minutes document issuance of Integrity CRR company license GCCO009212 and qualifying-agent license GCQA009212; check both current state records for the proposed scope.