Roof Damage Claims
Repair vs. replacement — that's where you lose.
Insurance companies fight hardest on roof claims. The difference between a repair settlement and a replacement settlement can be tens of thousands of dollars.
What roof damage claims looks like
- Storm-damaged shingles, underlayment, and decking
- Failed flashing, vents, and penetrations
- Gutters, fascia, and soffit damage
- Structural damage to roof framing
- Damaged ridge caps and valleys
- Interior attic damage from water intrusion
What insurers routinely undervalue
- Approving spot repairs when full replacement is warranted
- Using depreciation to reduce RCV to ACV
- Not addressing matching requirements for partial replacements
- Missing underlying structural damage during surface inspection
- Ignoring code compliance requirements in the repair scope
LOCAL CONTEXT
Nashville & South Florida
Nashville roofs face hail, wind, and severe weather multiple times per year. South Florida roofs deal with hurricane-force wind pressures and intense UV degradation. Both markets see frequent insurer resistance to full roof replacement claims.