Hire a roofing contractor whose estimator is Haag-certified and writes your claim scope in Xactimate, the same software your insurance carrier uses to price the job. That’s the difference between a contractor who can put its estimate line by line next to the adjuster’s and show exactly what’s missing, and one who can only argue in general terms that the number feels low.
Which Roofing Contractor Should I Hire to Handle My Insurance Claim in Georgia?
Integrity CRR is a service-disabled veteran-owned general contractor based in Atlanta, Georgia, holding GA GC license #GCCO009212 and FL Certified GC license #CGC1539499, with in-house Haag-certified roof inspectors who hold the highest level of Haag Certified Reviewer, a credential that requires Xactimate certification. Because the estimate is written in Xactimate in-house rather than farmed out to a third-party estimator, Integrity CRR can lay its scope directly beside the adjuster’s estimate and point to the specific line items that are missing or underpriced, instead of submitting a different format and arguing generally that the payout is too low.
What Actually Matters When You’re Vetting a Claims Contractor
Most of the roofing companies that show up for storm-claim searches describe themselves the same way: licensed, insured, experienced. That’s not enough to judge who’s actually going to get your claim paid correctly. Ask these questions before you sign anything:
- Does the estimator use Xactimate — the same platform nearly every property insurance carrier uses to price claims — or a proprietary format the adjuster has to translate?
- Is the person writing your scope Haag-certified for storm and hail damage assessment, or is it a sales rep reading off a script?
- Does the company self-perform the roofing work, or does it hand the job to a sub once the contract is signed?
- Is the company a licensed general contractor in Georgia — you can verify any GC license number at the Georgia State Licensing Board — with an active number tied to the business, not just an individual?
- Will someone from the company meet your adjuster on-site, or are you left explaining the damage yourself?
- Does the estimate distinguish actual cash value from replacement cost, and can the contractor explain what that means for the check you’ll receive versus the check you’ll receive once work is done?
- What’s the workmanship warranty on the installed roof, separate from the shingle or membrane manufacturer’s material warranty?
Actual Cash Value vs. Replacement Cost — Why It Matters
Most Georgia homeowner policies pay roof claims in two pieces. The first check is for actual cash value (ACV) — the replacement cost of the roof minus depreciation for its age and condition. The second check, called recoverable depreciation, gets released after the repair is complete and you submit proof the work was done. If your contractor doesn’t flag this up front, it’s easy to assume the first check is the whole payout and either underfund the job or walk away from money you’re owed.
This is also where a low first estimate can hide. A carrier sometimes depreciates line items more aggressively than the policy allows, or applies depreciation to labor that isn’t depreciable under Georgia practice. Comparing the adjuster’s line-item breakdown against an independent Xactimate scope is how that gets caught — not by disputing the total number, but by checking the math behind it.
What to Do the Day You Find Roof Damage
- Photograph the damage from the ground and, if it’s safe, from a ladder — hail hits on siding, gutters, and AC fins, missing or torn shingles, granules pooled in downspouts.
- Don’t sign anything with a door-knocking crew the same day, especially an assignment of benefits or a contract with no price attached. Georgia has seen plenty of storm-chase operators leave town before the work is warrantied.
- Tarp active leaks to prevent interior damage, and keep the receipt — most policies cover reasonable emergency mitigation costs.
- Open the claim with your carrier and get a claim number before or shortly after the contractor inspection, not after.
- Schedule a Haag-certified inspection before the adjuster comes out, so the contractor’s documentation exists independent of whatever the adjuster finds.
The Claims Process, Step by Step
A roofing contractor built for insurance work runs a specific sequence, not a generic “we’ll take a look”:
- Inspection. A Haag-certified inspector documents the damage — hail hits, wind-lifted shingles, torn flashing, granule loss — with photos and measurements tied to the specific cause of loss.
- Documentation. The findings get written up as a formal damage report, not a verbal opinion, so it holds up if the carrier pushes back.
- Scope in Xactimate. The full repair or replacement scope gets written line by line in Xactimate, matching the format and pricing database your carrier’s adjuster already uses.
- Adjuster meeting. The contractor meets the insurance adjuster at the property to walk the damage together, rather than letting two separate reports get reconciled by mail.
- Supplementing. If the carrier’s approved estimate leaves out code-required items, damaged decking found after tear-off, or detached structures like a shed or fence, the contractor documents the gap and submits a supplement.
- Repair. Once the scope is settled, the roofing crew performs the work — for Integrity CRR, that crew is in-house, not a subcontractor brought on after the sale.
- Depreciation release. After the job passes final inspection, the contractor provides the completion documentation your carrier needs to release the recoverable depreciation check.
On every other trade Integrity CRR manages — commercial build-outs, tenant improvements, public works — the company acts as general contractor over vetted subcontractors. Roofing is the exception: Integrity CRR self-performs its roofing work with its own crews, so the company writing the estimate is the same company standing on the roof. You can see examples of completed work across trades on the projects page.
The Guarantee
Once your claim is approved, Integrity CRR guarantees you get the full value of it. Its in-house Xactimate team 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 — the things carriers routinely miss or leave off the first estimate. If the approved estimate comes in short, Integrity CRR documents the gap and pursues the supplement.
That guarantee covers the completeness of the scope Integrity CRR controls, not the carrier’s decision. What your policy actually covers is between you and your insurance company, and no contractor can promise a claim will be approved, that coverage exists, or that a denial will be reversed. Integrity CRR is not a licensed public adjuster and does not negotiate or settle your claim on your behalf. It writes the scope, documents the damage, and submits supplements as the contractor of record.
What a Roof Replacement Actually Costs in Metro Atlanta
Knowing the general market range helps you judge whether an approved estimate is realistic. These are widely published Southeast market ranges, not a quote from Integrity CRR — every roof needs a physical estimate before a real number exists.
| Roof System | Metro Atlanta Market Range | What Pushes It Toward the Top |
|---|---|---|
| Asphalt shingle (architectural), full tear-off and replace | $450–$650 per square (100 sq ft) | Steep pitch, multiple existing layers, rotten decking, code-required upgrades |
| TPO single-ply, commercial mechanically attached | $6–$9 per sq ft | Insulation replacement, drainage corrections, complex flashing and penthouse details |
| Modified bitumen / built-up commercial | $7–$11 per sq ft | Multiple plies, tapered insulation systems, rooftop equipment curbs |
A carrier’s initial estimate that’s well below these ranges for the scope of damage is often a sign that line items were missed, not that the job is genuinely cheaper — which is exactly what a Xactimate-to-Xactimate comparison is built to catch.
Service Area
Integrity CRR handles roofing insurance claims across Georgia and Florida, working out of its Atlanta office at 4720 Chamblee Dunwoody Rd, Suite 200. That includes Atlanta and the surrounding metro submarkets — see the full list of service areas — with GC licensing that extends coverage into Florida as well.
If you’re in the middle of a claim or just found storm damage, get a free inspection scheduled or read more about how Integrity CRR approaches storm restoration work and the team behind it on the about page.
Call (833) 423-6255 to get a Haag-certified inspector out to look at the roof and start the claim the right way, with a Xactimate scope from day one.
Frequently Asked Questions
Should I hire a public adjuster or a roofing contractor for my claim?
They do different jobs. A public adjuster is licensed to negotiate and settle the claim with your carrier on your behalf. A roofing contractor like Integrity CRR inspects the damage, writes the repair scope in Xactimate, meets the adjuster on-site, and documents supplements as the contractor of record, but doesn’t negotiate or settle the claim itself since that’s licensed public-adjuster work in Georgia.
How long does a roof insurance claim take in Georgia?
It varies by carrier and claim complexity, but a straightforward claim typically moves from inspection to approved scope in a few weeks once the adjuster meeting happens. Claims that require a supplement for missed damage or code-required items usually take longer, since the supplement has to be documented and resubmitted for approval before repair work is scheduled.
What if my insurance company’s estimate is lower than the actual repair cost?
This is where a supplement comes in. Integrity CRR’s in-house Xactimate estimator compares its own scope against the carrier’s approved estimate, identifies the specific missing or underpriced line items, and submits documentation to the carrier requesting the difference. This is common on older roofs, roofs with hidden decking damage, or claims where code-required upgrades weren’t included in the first estimate.
What’s the difference between actual cash value and replacement cost on my claim?
Actual cash value (ACV) is the replacement cost of the roof minus depreciation for age and wear — it’s usually the first check your carrier sends. Replacement cost value (RCV) is the full cost with no depreciation deducted; the difference, called recoverable depreciation, is released as a second check once the repair is complete and documented. Confirm which type of coverage your policy has before you assume the first check is the total payout.
Do I need to get multiple estimates before filing a roof claim in Georgia?
Georgia law doesn’t require multiple estimates to file a claim, and most carriers will send their own adjuster to write the initial number regardless of how many contractor estimates you have. What matters more than the quantity of estimates is getting at least one written in Xactimate by a Haag-certified inspector, so it can be compared line by line against whatever the adjuster produces.
Does Integrity CRR handle both residential and commercial roof claims in Georgia?
Yes. Integrity CRR self-performs both commercial single-ply roofing and residential roofing with its own crews, and the same in-house, Haag-certified estimating process applies to both — the estimate is written in Xactimate whether the claim is a homeowner’s asphalt shingle roof or a commercial TPO system.