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Roof Insurance Claims

If you have questions about roof insurance claims, you aren’t alone! Each year, Bartlett Roofing works with hundreds of homeowners and their families to navigate the storm damage roof claim process. If you choose to work with our insurance roof replacement experts, you’ll have a certified team by your side to guide you through the insurance process and help you get the coverage needed to fix your roof damage.

We bring more than 25 years of proven experience and are proud to be:

  • BBB A+ Rated and Accredited
  • Owens Corning Preferred Contractors
  • CertainTeed Master Shingle Applicators
  • GAF Certified Roofers
  • Inc. 5000 Honorees

How a Storm Damage Roof Claim Works

With Bartlett Roofing, every step of the insurance process is as simple as it could be:

1. You Contact Us

Give us a call or complete our quick online form to request your complimentary inspection and consultation. We offer a no-obligation process that’s friendly and educational in nature.

2. We’ll Assess Your Property

We’ll send an experienced technician to assess your roof’s storm damage and determine whether the damage is greater than your deductible.

3. We Iron Out the Details

We’ll work with you and your insurance provider to determine damage and scope of work. We’ll discuss the project timeline and payment before setting a date for your roof repairs or replacement.

4. We Take Care of Your Roof!

We can usually schedule roof restorations within a couple of weeks, and the average job time is no more than 2 days. We can handle all kinds of restorations, from high wind damage to hail.

5. We Collect Payment from Insurance

We’ll help complete your insurance claim process by submitting the certificate of completion to your insurance provider and receiving the final payment.

Common Terms for Roof Insurance Claims

Bartlett Roofing employs a team of skilled roofers and experienced insurance claims professionals. If you need help understanding the process, just ask! In the meantime, here are a few common roof claim terms you should know:

RCV: Replacement Cost Value

If you have a policy with RCV coverage, then your insurer will provide a payout that allows you to replace your damaged property with a “like” kind. In the event of a damaged roof, the insurer would pay out enough to return your home to pre-loss condition.

ACV: Actual Cash Value

If you have a policy with ACV coverage, then the payout is not based on restoring your roof to its original condition but rather compensating you based on the current value of the damaged property. If a roof is in poor condition before the damage, then the payout will be lowered accordingly.

The ACV amount is calculated by subtracting depreciation from the RCV.


Depreciation is calculated based on the age and useful life of the roof. Note that some depreciation may be recoverable depending on your property insurance policy.

Start Your Roof Replacement Claim with a Complimentary Inspection

Ready to take care of your wind or hail-damaged roof? Contact Bartlett Roofing today to learn more and set up your complimentary inspection for:

  • Roofing
  • Commercial Roofing
  • Storm Damage Restoration

 Just give us a call or fill out our quick online form now.