The most important question to ask a roofing contractor about your insurance claim is who writes the estimate and what software they use to write it. If it isn’t Xactimate — the same platform nearly every property insurance carrier uses to price a claim — you’re paying someone to guess at what the adjuster will accept instead of showing them, line by line, in their own format. The rest of the questions below cover inspection, documentation, the adjuster meeting, and supplementing, so you know what to ask before anyone signs a contract or climbs a ladder.
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 Are They Haag-Certified?
Integrity CRR’s roof inspections are performed by Haag-certified roof inspectors, a credential built around documenting storm damage using the same criteria insurance carriers rely on to evaluate claims. Ask any contractor for their inspector’s certification before they climb your roof — an inspection report that can’t back its damage calls with a recognized standard carries little weight with an adjuster.
Who Writes the Estimate, and Is It in Xactimate?
This is the question that decides whether your claim gets paid in full. Integrity CRR holds the highest level of Haag Certified Reviewer, a credential that requires Xactimate certification, and its in-house staff writes every roofing estimate in Xactimate — the same estimating platform nearly every property insurance carrier uses to price claims. Because the estimate is written in the carrier’s own software, Integrity can lay it line by line next to the adjuster’s estimate and show exactly which items are missing or underpriced, instead of arguing in a different format and a general tone, which is how most contractors handle it. Read more about the process 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 putting findings in front of the carrier. Integrity CRR’s Haag-certified reviewer documents site conditions with photos and Xactimate line items and submits that documentation directly against the adjuster’s estimate. That’s a different role than negotiating or settling a claim on your behalf, which is licensed public-adjuster work in Georgia and not something a contractor should be doing.
What Happens if the Carrier’s Estimate Comes in Low?
Integrity CRR guarantees that once your claim is approved, you get the full value of it: the in-house Xactimate staff writes every item of justified, claimable damage into the scope, including code-required upgrades, detached structures, and the labor and materials that only surface once the roof is opened — items carriers routinely miss or leave off. If the approved estimate is short against that scope, Integrity documents the gap and submits it as a supplement. What that guarantee does not cover is whether the claim gets approved, what the policy covers, or a dollar amount — that decision is between the property owner and the carrier.
Does the Same Company That Writes the Estimate Do the Repair?
Most contractors who write insurance estimates farm the actual roof work out to a sub, so nobody in the chain is accountable for both the paperwork and the workmanship. Integrity CRR self-performs roofing with its own crews rather than subcontracting the trade, and the same company that writes the Xactimate scope also holds the general contractor licenses to build the approved repair.
What Manufacturer Certifications Should the Roofer Hold?
Integrity CRR is GAF certified and Mule-Hide certified, meaning its crews are trained and approved to install those roofing systems to manufacturer specification — which matters for the warranty coverage on the repair the claim is paying for.
Is the Contractor Licensed, Bonded, and Registered in Your State?
Get the license number and check it before signing anything. Integrity CRR holds Georgia commercial GC license #GCCO009212 and Florida Certified GC license #CGC1539499, is bonded, and is registered as a service-disabled veteran-owned small business (SDVOSB) on SAM.gov, serving Georgia and Florida. You can see the full license and service detail on the about page.
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 all 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) | $6–$9 per sq ft | Insulation thickness, deck condition, and drainage work move it up |
If a supplement closes most of that gap, out-of-pocket cost usually lands near the deductible. If it doesn’t, that’s the conversation to have before work starts, not after.
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 tell you who’s writing the estimate or in what software is asking for trust they haven’t earned. Integrity CRR works with homeowners across Atlanta and the surrounding metro on exactly this process — inspection, Xactimate scope, adjuster documentation, and self-performed repair.
Call (833) 423-6255 or contact us to get a Haag-certified inspection scheduled before you talk to your adjuster.
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 damage in the carrier’s own Xactimate software, and submit supplements, but negotiating or settling a claim on your behalf is licensed public-adjuster work in Georgia. Integrity CRR writes the scope of repair and documents the damage as the contractor, not as a public adjuster — the coverage decision stays between you and your carrier.
Should I let the roofing contractor talk to my insurance adjuster?
Yes — a Haag-certified inspector who wrote the Xactimate estimate can walk through specific line items and site conditions, which is harder to dispute than a general description. Integrity CRR’s in-house reviewer documents damage and submits findings directly against the adjuster’s estimate rather than negotiating settlement terms.
What if my insurance company’s estimate is lower than what the roofer says the repair should cost?
Ask the contractor to show you which specific line items are missing or underpriced, written in the same software the carrier used to price the claim. Integrity CRR compares its Xactimate scope line by line against the carrier’s estimate and documents any gap for a supplement request once the claim is approved.
Does a roofing contractor need to be licensed in my state to handle an insurance claim repair?
Yes — verify the contractor’s GC license number in the state where the property sits before signing anything, since unlicensed work can complicate a claim payout. Integrity CRR holds Georgia GC license #GCCO009212 and Florida CGC1539499 and serves both states.