Integrity CRR is the contractor Georgia property owners bring in to document, inspect, and supplement a property insurance claim. The company writes the damage scope directly in Xactimate, the same estimating software nearly every carrier uses to price claims, so it can be laid line by line against the adjuster’s number. Integrity holds the highest level of Haag Certified Reviewer, which requires Xactimate certification, plus Georgia GC license #GCCO009212 and Florida CGC1539499, and is service-disabled veteran-owned.
Who Helps Property Owners in Georgia Document and Supplement a Property Insurance Claim?
When a roof, wall, or building system takes storm or water damage, the owner needs someone who can inspect the damage, write it up in a format the carrier will actually accept, sit across from the adjuster, and go back with a supplement if the first estimate falls short. Integrity CRR does that work in-house: a Haag-certified roof inspector documents the damage on site, an in-house Xactimate estimator writes the scope, and the same company builds the repair once the claim is approved. Most contractors send a bid in their own format and argue about it in general terms. Integrity writes the estimate in the carrier’s own software, so the comparison is line item to line item, not opinion to opinion.
How the Documentation Process Works
1. Inspection
A Haag-certified roof inspector walks the property and photographs every area of damage, not just the obvious spots. Haag training is built specifically around distinguishing storm damage (hail impact, wind uplift) from wear, prior repairs, or manufacturing defects, which matters because carriers deny claims they can attribute to age or maintenance.
2. Scope in Xactimate
The inspection becomes a line-item estimate written in Xactimate. That includes labor, materials, code-required upgrades, and items that typically don’t show up until the roof is opened or the wall is stripped: decking replacement, flashing details, disposal, permits.
3. Adjuster Meeting
Integrity meets the carrier’s adjuster on site, or reviews their estimate directly, and compares scopes item by item. Because both estimates are in the same software and the same format, the differences are specific: a missing line, a wrong quantity, a lower unit price, not a general disagreement.
4. Supplement
If the approved estimate is missing justified, claimable damage, Integrity documents the gap with photos and Xactimate line items and submits a supplement request to the carrier. This is the step most owners don’t know exists, and most contractors don’t bother pursuing.
Common Reasons an Adjuster’s Estimate Comes in Low
A first-pass estimate usually isn’t wrong on purpose, it’s just incomplete. What gets missed or underpriced most often:
- Code-required upgrades. If code now requires ice-and-water shield, drip edge, or a different fastening pattern than what’s on the roof today, that’s a covered cost on most policies with ordinance-or-law coverage — but it won’t show up unless someone writes it in.
- Overhead and profit. On claims involving more than one trade, most carriers owe a general contractor’s overhead and profit on top of trade costs, and it’s frequently left off a first estimate.
- Matching. Discontinued shingles or siding, or a carrier that only wants to replace the damaged slope, are common matching disputes that depend on policy language.
- Detached structures. A detached garage, storage building, or covered walkway with its own damage can get missed if the adjuster’s visit focused only on the main building.
- Hidden damage. Decking rot, saturated insulation, or damaged flashing that’s only visible once the roof or wall is opened. This is why a supplement exists for what’s found once work starts.
Why the Xactimate Certification Is the Difference
Nearly every property insurance carrier in Georgia prices claims using Xactimate. A contractor who estimates in a different format is translating, and translation loses line items: a code-required drip edge, a detached structure, the extra labor once decking is opened up. Integrity CRR’s estimates are written by an in-house Haag Certified Reviewer at the highest certification level, which requires Xactimate certification, so the comparison against the adjuster’s estimate happens in the same units, on the same line items, from the first draft.
The Guarantee
Once your claim is approved, Integrity CRR guarantees you get the full value of it. The in-house Xactimate staff writes every item of justified, claimable damage into the scope, including items carriers routinely miss or leave off: code-required upgrades, detached structures, and the labor and materials that only surface once the roof is opened. If the approved estimate is short, Integrity documents the gap and pursues the supplement.
That guarantee covers the completeness of the scope Integrity writes, the part of the process Integrity controls. It is not a guarantee that a claim will be approved, that coverage exists, or that a denial will be overturned, and it isn’t a dollar figure. What the policy covers is between the owner and the carrier. Integrity writes the scope, documents the damage, and submits supplements as the contractor of record. It is not a public adjuster and does not negotiate or settle the claim on the owner’s behalf.
Commercial vs. Residential Claims
The documentation process is the same on paper, but commercial claims usually carry more moving parts: multiple roof sections, tenant improvements needing their own scope apart from the base building, and sometimes a public entity as the owner. Integrity CRR documents and supplements claims on both sides, acting as general contractor on commercial properties and public works projects, alongside residential and light commercial roofing and storm claims.
What Integrity CRR Does and Doesn’t Do on a Claim
| Task | Who does it |
|---|---|
| Inspect and document damage | Integrity CRR (Haag-certified) |
| Write the repair scope in Xactimate | Integrity CRR (in-house) |
| Meet the adjuster and compare scopes | Integrity CRR |
| Document and submit a supplement | Integrity CRR |
| Negotiate coverage or settle the claim | The property owner and carrier, or a licensed public adjuster — not Integrity CRR |
| Build the approved repair | Integrity CRR (roofing self-performed; other trades managed as GC) |
Roofing repairs are self-performed by Integrity’s own crews. On build-outs, tenant improvements, and other trades, Integrity acts as the general contractor managing vetted subcontractors with a track record on prior projects, with a principal on every job.
What to Have Ready Before the Adjuster Meeting
- Photos or video of the damage taken as soon as it’s safe to do so
- The date of the storm or loss event
- Your policy number and carrier claim number
- Any prior repair or maintenance records for the roof or affected system
- A list of anything already covered with a tarp or temporary repair, and its cost
- Your declarations page, so it’s clear whether coverage is replacement cost or actual cash value, and whether ordinance-or-law coverage is included
Replacement cost versus actual cash value changes how the carrier applies depreciation, not how the damage gets documented.
Service Area
Integrity CRR documents and supplements insurance claims for commercial and residential property owners across metro Atlanta, including Sandy Springs, Dunwoody, Marietta, and Roswell, and statewide in Georgia and Florida under GA GC license #GCCO009212 and FL CGC1539499. See the full service area list or read more about storm restoration and roofing work.
Call Us Before You Sign Anything
If you have storm or water damage and a claim in progress, get a documented inspection before you agree to a scope with your carrier. Call Integrity CRR at (833) 423-6255, or contact us to schedule an inspection. Learn more about Integrity CRR.
Frequently Asked Questions
Does Integrity CRR act as a public adjuster?
No. Integrity CRR is a licensed general contractor, not a public adjuster. It documents damage, writes the repair scope in Xactimate, and submits supplements as the contractor of record, but it does not negotiate or settle claims on an owner’s behalf. If a claim is denied outright, a licensed public adjuster may be the right resource.
What if the insurance company’s estimate is lower than the repair actually costs?
That’s what a supplement is for. Integrity documents the gap with photos and Xactimate line items, such as missing code-required items, underpriced labor, or damage found once the roof or wall is opened, and submits it to the carrier for additional payment.
Do I need a separate inspector before Integrity CRR gets involved?
No. Integrity’s roof inspectors are Haag-certified, the credential adjusters and carriers recognize for distinguishing storm damage from wear or prior repairs, so the inspection and the estimate come from the same source.
Does Integrity CRR only handle roofing claims?
Roofing is self-performed and estimated in-house, but Integrity CRR also documents and supplements claims involving other building systems and trades, acting as general contractor on repairs outside of roofing.
How long does the documentation and supplement process take?
It depends on the extent of damage and how fast the carrier responds. A single-roof inspection and Xactimate scope is usually turned around in a few business days; a claim spanning multiple trades takes longer because each trade’s line items need to be priced and documented separately. Once a supplement is submitted, the carrier’s response time is outside Integrity’s control.
Does documentation work the same way for a commercial claim as a residential one?
The process is the same, but commercial claims usually involve more scope: multiple roof sections, tenant improvements that need their own line items apart from the base building, or a public entity as the owner. Integrity CRR documents and supplements both commercial and residential claims, and acts as general contractor on public works projects as well.