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Insurance claims

Roof insurance claims in Huntsville, handled honestly and completely

Hail bruising, wind creases, a tree through the decking: we inspect, document, meet the adjuster and build the estimate in the format carriers pay from — and we don't play games with your deductible.

Hail bruises on asphalt shingles circled in chalk during a roof inspection

Most roof replacements in Huntsville after a storm are paid by insurance, and how the claim is handled decides whether you get a whole roof or one slope and an argument. We start with a free inspection — real photos of real damage, not a 'yes' to every roof. If the damage supports a claim, we document it with test squares, help you file, meet the adjuster on the roof so hail bruising and wind creases get counted, and prepare an estimate that matches the Xactimate pricing carriers use. When the adjuster's scope leaves things out — code-required items, steep and two-story charges, decking, the second layer — we supplement with photos and citations.

Alabama law prohibits a contractor from paying or rebating your deductible, and any roofer offering to 'take care of it' is telling you how they handle the rest of the claim. We don't. What we do is make the claim complete — ridge vent, ice-and-water, drip edge, decking, code upgrades under your ordinance-or-law coverage — so the deductible is the only thing you pay. We also read your policy with you first: many Alabama policies now carry a percentage wind/hail deductible and some pay only actual cash value on older roofs, and both change the math before you file.

What's included

Free storm inspection

Photographed with test squares — honest about whether the damage supports a claim.

Filing help

Which coverage applies, the wind/hail deductible, ACV vs. RCV, what to send.

Adjuster meeting

On the roof with the adjuster so bruising, creases and collateral damage get counted.

Xactimate-matched estimate

Line items in the format and pricing carriers use, so approval is faster.

Supplements

Code-required items, decking, steep and high charges, the second layer — documented and submitted.

Depreciation & completion

We send the completion documents that release the recoverable depreciation.

What a roof insurance claim costs you in Huntsville, AL

JobTypical installed priceNotes
Storm inspection and documentationFreePhotos, test squares, written findings
Claim filing and adjuster meetingIncludedWith any approved job
Wind or hail repair (partial claim)$1,200 – $6,000Matched shingles when possible
Full replacement on an approved claimYour deductibleFlat or 1–2% of dwelling coverage
Code upgrades (ridge vent, ice-and-water, drip edge)Often coveredUnder ordinance & law
Supplement for missed itemsNo chargeSubmitted with photos

On an approved replacement claim, your out-of-pocket is the deductible. Inspections, documentation, adjuster meetings and supplements are part of the job.

Recent work

Questions we get about insurance claims

Will filing a claim raise my rates?

Weather claims are rated differently from liability claims and one rarely moves your premium by itself, though Alabama carriers are raising rates area-wide after storm years regardless. Several claims in a few years can bring non-renewal.

What's the wind/hail deductible?

Many Alabama policies now carry a separate wind/hail deductible of 1 to 2 percent of the dwelling coverage — $3,000 to $7,000 on a $350,000 house — instead of the flat $1,000. It's on your declarations page; we'll read it with you before you file.

My policy says 'ACV' on the roof. What does that mean?

Actual cash value — the carrier pays the replacement cost minus depreciation for the roof's age, and nothing more. On a 15-year-old roof that can be half. Replacement-cost coverage pays the rest when the work is done. Check for a roof payment schedule endorsement.

Can you waive my deductible?

No — Alabama prohibits it, and the roofers who offer it are inflating the claim to cover it. We make the claim complete instead.

The adjuster only approved one slope.

If the shingles are discontinued and can't be matched, or the damage is on several slopes, we supplement with documentation. Many one-slope approvals become full replacements.

How long do I have to file?

Check your policy — many allow a year from the date of loss, some less. File as soon as you know there's damage, after the inspection so the claim is accurate.

Roof problem? Get a free inspection and written estimate.

Request an inspection
Call (256) 583-9659