Insurance Claims Q & A

At Roof Smith, Inc, we are more than just roofers - we are claim's specialists. We pride ourselves on managing your claim better than the rest and only installing the best quality products on your roof. Our claims specialist will walk you through all your options to get your roof paid for in full.

Quick answers to questions you may have. Can't find what you are looking for? Fill out our contact form.

If I file an Insurance Claim will my rates increase?

No, Hail & Wind damage claims deemed Catastrophe Claims. “A natural event caused without human intervention that could not have been prevented by reasonable foresight or care.”

Can my Insurance Policy be cancelled for filing a Storm Damage Claim?

No, you have laws in place in Georgia for Catastrophe claims. Violations can be reported to The Georgia Insurance Commissioner.

Do I need to get 3 Bids to submit to my Insurance company?

Your Insurance company does not go off bids nor do they want them. They use a specific formula and software. If you have a bid much lower than what your Insurance Companies claims, you are not getting everything you should on your roof.

Does my Insurance Company have their own contractors they would prefer I use?

No, they are only responsible for paying for the damage. They are not contractors or project managers.

Is there a possibility my Insurance company will not cover the full cost of the claim?

Yes. This is why it is important to work with a claim specialist like Roof Smith, Inc. Your policy may have an actual cash value policy, which means your policy states they pay for damage less the depreciation of your roof.

Is there a specific age that my roof needs to be or could be too old to get it approved?

Our rule of thumb is your roof should be at least 12 years old. We do not get softball-sized hail in Georgia. Usually, golf ball-sized hail falls, and most roofs can weather numerous storms. If your roof is 30 years old or more, we would need to inspect it and talk about your options.

What type of Shingles do you use?

We only use GAF Architectural Shingles because they are the best in the business. You can click here for more information on GAF Architectural Shingles.

Are there any other out of pocket costs I should be aware of beyond what my Insurance company pays?

There will never be a large bill at the end of your project. However, if we find rotted soffits or fascia boards, we will ask if you want us to take care of that while we are doing the roof. We will give you the cost and the choice will be yours. If you have skylights, we will inquire if you want to replace them while we are working on your roof, as skylights eventually leak. Your insurance company may not find damage to your gutters, so you might want to replace them. These are the types of things you will choose to add if you wish.

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