Understanding Roof Insurance Estimates

By Stacy Mellete

Roof insurance is a great way to cover the repairs after a rainstorm or a harsh winter season. Did you know how the right amount of coverage is determined before approving an insurance claim? Here’s a closer look at roof insurance estimates as explained by the top residential roofing contractor in Clearwater FL.


Initial Assessment

Insurance estimates start by having an accurate assessment of your roof. This assessment should include as much detail as possible including the extent of the damages and expected materials and labor necessary to completely restore the roof. Photo and videos of the damage will also help with the initial assessment before the insurance adjuster makes the statement of loss.

The Statement of Loss

The insurance adjuster will be with you when creating a statement of loss which is a document and it will be given to you when it is completed. According to roofers Clearwater FL, there are three important things in this document: the itemized costs of materials, the expected actual cash value (ACV) and the depreciation value (amount of cash withheld until the repairs are done).

Negotiating with the Insurer

When filing the claim, the statement of loss is sent along with the estimates from stores or contractors to the insurer. The insurer then decides whether to approve or reject your claim. If your claim is approved, your insurer will make adjustments on the depreciation column to show the ACR and you will be sent a check to cover for the new amount.

Working with Roofers

Making an insurance claim can be a tedious process, especially if you want to make sure you’re getting the right amount necessary. This is why we recommend closely working with a reputable local shingle or metal roofing company to make sure everything is properly accounted for when making a claim.

Need help with roof insurance? Give us a call. Affordable Roofing Systems is the leading roofing contractor in  Clearwater FL, Tampa, Riverview, St. Petersburg.

You can call us at (813) 542-8462 or fill out this contact form to request a quote.

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Your roof has an important job to do to keep your home dry, but it can also be an impressive home feature.


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As the most-used roofing type across North America, asphalt strikes a balance between price and durability, with a life expectancy of up to 20. Shingles are available for those who want affordable, genuine slate roofing.


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TPO can be installed to any scale with some of the world’s largest building utilizing TPO roofing systems – it comes in strips typically 8ft 10ft and 12ft wide that are heat welded on site.

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