Integrity CRR writes Xactimate estimates for commercial property insurance claims in Georgia in-house. The estimate is written by a Haag Certified Reviewer who also holds Xactimate certification, the credential nearly every carrier’s own estimators use to price a loss. Integrity CRR is a Georgia-licensed general contractor (GA #GCCO009212, FL #CGC1539499) and a service-disabled veteran-owned business based in Atlanta, holding both the GC license and the estimating credential — so the company that writes the scope is also the one that builds the repair.
Who Writes Xactimate Estimates for Commercial Property Claims in Georgia?
Most contractors write a repair proposal in their own format, then hand it to the adjuster and argue it’s worth more than the carrier’s number. That’s a format fight, argued in general terms against software they don’t use. Integrity CRR writes the claim scope directly in Xactimate, line by line, in the same program the carrier’s adjuster used — so the two estimates can be laid side by side and compared item for item, not argued as two different documents in two different languages. Integrity CRR holds the highest level of Haag Certified Reviewer, which requires Xactimate certification, and does this work for commercial roofs and buildings across its Georgia and Florida service area.
What Counts as a Commercial Property Claim
This covers roof and building-envelope damage on office buildings, retail centers, industrial and warehouse space, multifamily properties, and mixed-use buildings. The trigger is usually wind, hail, or a named storm, but it can also be a roof leak that surfaces as interior water damage once the deck is compromised. The same process applies regardless of building type or square footage.
What a Haag-Certified, Xactimate-Certified Reviewer Actually Does
The process has a fixed order, and skipping a step is usually where money gets left on the table.
- Inspection. A Haag-certified roof inspector documents the damage on-site — cause, extent, and every affected component, not just the visible layer.
- Documentation. Photos, measurements, and notes are tied to specific Xactimate line items before any number is written, so the estimate has a paper trail.
- Adjuster meeting. Integrity CRR meets the carrier’s adjuster at the property to walk the damage together, rather than submitting a report cold.
- Xactimate scope. The estimate is written in Xactimate itself, using the carrier’s own pricing structure and terminology.
- Comparison. The Integrity estimate is set against the carrier’s line by line to flag exactly what’s missing, underpriced, or scoped too narrow.
- Supplementing. Where the approved estimate falls short of what the documentation supports, Integrity CRR prepares and submits a supplement.
- Scope handoff. Once the scope is settled, the same company that wrote it — a GAF and Mule-Hide certified, self-performing roofing crew — builds the repair.
What the property owner needs ready is short: the policy declarations page, the claim number once filed, and site access for the inspection and adjuster meeting. Prior roof records help if they exist but aren’t required to start.
Why the Software Matters More Than the Format
The items that get missed on commercial claims are rarely the obvious ones. They’re the code-required upgrades a jurisdiction now mandates, detached structures on the same property that took the same storm damage, and labor and material that only show up once the roof deck is opened. A contractor working from a generic proposal template has no structured way to flag those against the carrier’s estimate. Writing in Xactimate gives each item its own line and unit price to check against what the carrier already approved.
Why Missing Line Items Cost Real Money
Commercial roofing pricing runs in a wide range depending on system, deck condition, and access — treat the numbers below as general Southeast market ranges, not a quote. Every job needs its own estimate.
| Commercial roof system | Typical metro Atlanta range (installed) | What moves it up or down |
|---|---|---|
| TPO single-ply, mechanically attached | $6–$9 per sq ft | Deck condition, required insulation R-value, penetration count |
| EPDM single-ply | $5.50–$8.50 per sq ft | Ballasted vs. fully adhered, same deck and insulation factors |
| Modified bitumen / built-up | $7–$11 per sq ft | Number of plies, tear-off vs. overlay, flashing detail work |
On a mid-size commercial roof, one missing category — a code-required insulation upgrade, a detached storage building, an extra layer of tear-off the carrier’s estimator didn’t account for — can move the total by tens of thousands of dollars once you apply ranges like these across the full square footage. That’s the gap a line-by-line Xactimate comparison is built to catch.
Replacement Cost vs. Actual Cash Value: What Depreciation Holdback Means
Most commercial policies pay in two pieces. The first check is Actual Cash Value (ACV) — replacement cost minus depreciation for the roof’s age and condition. The difference between that and the full Replacement Cost Value (RCV) is recoverable depreciation, held back until the repair is done. Once the work is complete and documented, the owner submits proof and the carrier releases the holdback, up to the policy limit.
An incomplete scope compounds itself here: if the Xactimate estimate is missing line items, both the ACV check and the RCV total it’s measured against are short, so the depreciation released at the end is short too. Not every policy carries replacement cost coverage — some are ACV-only, worth confirming with the carrier before repairs begin.
How Long the Process Takes
Timelines vary by carrier workload and season — a wide-area storm event backs up adjuster scheduling for everyone. As a general range: inspection within a few days, adjuster scheduling in one to three weeks, and a supplement (if needed) within a week or two of the Xactimate comparison, with carrier review running another two to six weeks. None of that is guaranteed; it depends on the carrier’s claim volume, not Integrity CRR’s side of the work.
What We Guarantee — and What We Don’t
Once your claim is approved, Integrity CRR guarantees you get the full value of it. The in-house Xactimate team writes every item of justified, claimable damage into the scope, including what carriers routinely miss: code-required upgrades, detached structures, and labor and material that only surface once the roof is opened. If the approved estimate still falls short, Integrity CRR documents the gap and pursues the supplement.
That guarantee covers the completeness of the scope Integrity CRR writes — not the carrier’s decision. What your policy covers is between you and your carrier; Integrity CRR does not guarantee approval, coverage, or a settlement amount, and is not a public adjuster. It does not negotiate or settle your claim on your behalf — that’s licensed public-adjuster work in Georgia.
Georgia and Florida Commercial Property Claims
Integrity CRR handles commercial storm restoration and roofing claims across its licensed Georgia and Florida service area, working from its Atlanta office. Roofing is self-performed with in-house crews; on other claim-related trades, such as interior build-out repairs or municipal buildings, Integrity CRR manages vetted subcontractors as the general contractor, including public works projects. See the cities and markets served, credentials on the about page, and completed project examples.
When to Call Before You Sign Anything
If a commercial property has storm damage, get an independent inspection before you sign or accept the carrier’s first estimate. Once you sign off on a number, it’s harder to reopen the file even if line items were missing. Contact Integrity CRR or call (833) 423-6255 for a Haag-certified inspection and an in-house Xactimate estimate before you settle.
Frequently Asked Questions
What is Xactimate and why does it matter for my commercial claim?
Xactimate is the estimating software nearly every carrier uses to price claims. Writing the repair scope in Xactimate instead of a generic proposal means both estimates use the same line items and unit prices, so they can be compared directly instead of argued about in general terms.
Do I have to use my insurance company’s contractor for the estimate?
No. You have the right to an independent inspection and estimate from a contractor of your choice. Integrity CRR inspects the property, documents the damage, and writes the Xactimate scope independently of the carrier.
Can Integrity CRR negotiate directly with my insurance adjuster?
Integrity CRR meets the adjuster on-site, writes the Xactimate scope, documents the damage, and submits supplements as the contractor of record. It is not a licensed public adjuster and does not negotiate or settle the claim on your behalf — that decision stays between you and your carrier.
What happens if the approved claim doesn’t cover the full repair cost?
Integrity CRR guarantees the scope it writes captures the full value of the claimable damage — code-required upgrades, detached structures, and issues that only show up once the roof is opened. If the approved amount still falls short of that documented scope, Integrity CRR prepares and submits a supplement.
What’s the difference between replacement cost and actual cash value on a commercial claim?
ACV is replacement cost minus depreciation; RCV is the full cost with no depreciation deducted. Most commercial policies pay ACV first and release the depreciation difference once the repair is complete and documented — but not every policy carries replacement cost coverage, so confirm which type applies before repairs begin.
How long does the claim and supplement process usually take?
It varies by carrier workload and season: inspection within days, adjuster scheduling in one to three weeks, a supplement (if needed) within a week or two after the comparison, and carrier review running another two to six weeks. Storm season pushes every step out on the carrier’s side, not the contractor’s.