How Roof Insurance Claims Actually Work

Most homeowner policies pay replacement cost value in two checks. The first covers actual cash value minus your deductible; the second releases recoverable depreciation once the work is complete.

Adjusters miss line items regularly — drip edge, ventilation, code upgrades, and detached structures. A supplement corrects the scope after the fact.

You are entitled to a contractor who represents your interests during the inspection. That single decision often changes the outcome of a claim.