We Handle Your Entire Roofing Insurance Claim

Insurance Companies Have Teams of Adjusters. You Shouldn't Face Them Alone.

Your insurance company employs full-time adjusters, staff engineers, and claims managers whose job is to evaluate every damage report that crosses their desk. They have proprietary pricing software. They have training programs that teach line-item classification. They review hundreds of roofing claims a year. This is their full-time job.

You, on the other hand, file a roofing insurance claim maybe once or twice in your life. You are looking at a damaged roof after a storm, trying to figure out what is covered, what the process is, and who to trust. The information asymmetry is staggering.

Here is what happens when a homeowner goes through the claims process without professional representation:

• Lowball initial scopes. The adjuster writes a scope of loss that covers 60% to 70% of the actual damage. Missing items include drip edge, pipe boot replacement, ice and water shield in valleys, and starter strip. Each omission is a line item worth $200 to $1,500 that the homeowner never knows was left off.
• Cosmetic-only classifications. Hail damage that cracked the shingle mat layer gets classified as "cosmetic" rather than functional. This classification can reduce a $15,000 replacement approval to a $0 payout. The homeowner accepts the ruling because they do not know how to challenge it.
• Delay tactics. The claim sits in review for weeks beyond the statutory timeline. The homeowner does not know that Georgia law requires acknowledgment within 15 days and a decision within 30 days. The delay is designed to exhaust — and it works.
• Depreciation overcharges. The ACV payment reflects aggressive depreciation schedules that undervalue your roof's remaining life. A 12-year-old architectural shingle with a 30-year warranty should not be depreciated at the same rate as a 20-year-old three-tab.
• Supplement denials without cause. When a contractor does file a supplement, the insurer denies it with vague language like "not storm-related" or "pre-existing condition." Without photo evidence taken before and after the storm, the homeowner has no rebuttal.

None of this is illegal. Insurance companies are businesses that manage risk and control costs. But you deserve someone in your corner who knows the process as well as they do — someone who speaks their language, reads their pricing software, and knows exactly what belongs on that scope of loss.

That is what 1 Source does. We do not just install roofs. We manage your entire insurance claim from the first phone call to the final invoice. We have handled over 500 claims for Alpharetta, Buckhead, Johns Creek, Roswell, Sandy Springs, and Marietta homeowners. We know what adjusters look for, what they miss, and what they try to exclude.

Our 5-Step Insurance Claim Process

From the moment you call us to the day your new roof is installed, we manage every step. Here is exactly what happens:

1. Free Roof Inspection We send a trained inspector to your property within 24 to 48 hours of your call. They walk every slope, photograph every shingle, flashing, vent, pipe boot, ridge cap, and valley. They document granule loss patterns, hail impact marks, wind-lifted tabs, and cracked mat layers. They check the drip edge, the gutter apron, and every roof penetration. If there is interior damage — water stains on ceilings, damaged attic insulation, wet decking — they document that too. This is not a quick glance from the driveway. This is a 45-minute to 90-minute inspection that produces a formal damage report with photos, measurements, and a written assessment. You pay nothing for this. If we find no insurable damage, we tell you. If we find damage worth filing a claim for, we move to Step 2.
2. We File Your Claim Before we call your insurance company, we review your policy's declarations page to confirm coverage type (RCV vs. ACV), deductible amount, and any exclusions. We then pull NOAA storm data — hail size, wind speed, storm path, and timestamp — for the event that caused the damage. This data corroborates the claim and establishes that the damage is storm-related, not the result of wear or deferred maintenance. We compile everything into an adjuster-ready damage report: dated photos organized by roof section, measurements, material specifications, and the NOAA records. Then we file the claim on your behalf and schedule the adjuster visit. The claim goes in documented, organized, and ready — not as a phone call saying "I think my roof got damaged."
3. We Meet the Adjuster on Your Roof This is where claims are won or lost, and it is our single most important differentiator. When the insurance adjuster arrives, our inspector meets them at your property. They walk the roof together, slope by slope. Our inspector points out every damage point that was documented in our report. They show the hail impacts the adjuster might miss on the back slopes. They identify the flashing failures at penetrations. They explain why the ridge cap needs full replacement, not just the three sections the adjuster initially flagged. Adjusters who know they are working alongside a knowledgeable contractor write more complete scopes. This is not adversarial — it is professional. But it changes the outcome. Homeowners who have contractor representation at the adjuster meeting consistently receive broader, more accurate scopes of loss than those who do not.
4. We Negotiate Supplements The first scope of loss almost always misses something. Industry-wide, initial adjuster scopes capture roughly 65% to 80% of the actual repair cost. The missing items are not hidden — they are line items that the adjuster did not include, either because they missed the damage or because the pricing in their Xactimate software undervalues the work. Common supplement items include: code-required upgrades (ice and water shield, drip edge per current building code), steep-pitch labor charges, full flashing replacement, starter strip, and material waste factors. We write every supplement in Xactimate — the same software the insurance company uses — so the comparison is apples-to-apples. We submit the supplement with photos, manufacturer specs, and local code references. Most supplements are approved within 2 to 4 weeks. When they are denied, we respond with additional documentation and escalate through the proper channels.
5. We Install Your New Roof Once the claim is settled and you have approved the scope, we coordinate everything: material ordering from our manufacturer partners (GAF, CertainTeed), crew scheduling, permit pulling if required, and project management from tear-off through final nail. Our crews are in-house — not subcontracted day labor. The installation follows manufacturer specifications to the letter, which is required to activate extended warranty coverage. When the job is complete, we submit the final invoice and completion documentation directly to your insurance company to trigger release of any remaining funds, including your depreciation holdback. You sign. You approve. That is it.

What We Handle For You

Most roofing contractors hand you an estimate and disappear until installation day. We stay involved at every stage. Here is the full list of what our insurance claims team manages on your behalf:

Damage Documentation

• Drone and ground-level photography of every roof section, slope, and penetration point
• Close-up documentation of hail impacts, wind damage, cracked flashings, and lifted shingles
• Interior damage assessment — ceiling stains, attic insulation damage, wet decking
• NOAA storm record correlation — hail size, wind speed, storm path, and exact timestamps matched to your damage
• Written damage report formatted for insurance adjuster review

Claim Management

• Policy review — coverage type, deductible, exclusions, and endorsements
• Claim filing with your insurance company
• Adjuster meeting scheduling and attendance — we walk the roof with the adjuster every time
• Scope of loss review — line by line, comparing the adjuster's findings to our independent report
• Supplement documentation written in Xactimate format with photos, code references, and manufacturer specs
• Supplement negotiation and follow-up until the scope reflects the actual damage

Construction and Close-Out

• Material selection and ordering from GAF, CertainTeed, or
• In-house crew scheduling — no subcontracted labor
• Project management from tear-off through final inspection
• Final invoice submission to your insurance company
• Depreciation holdback recovery guidance — we help you collect the remaining funds your policy owes
• Warranty registration with the shingle manufacturer

If you have experienced storm damage, need a full roof replacement, or are dealing with water damage alongside your roofing claim, every one of these services applies. The insurance claim process is the same regardless of damage type — and we handle all of them.

Why Homeowners Lose Money Without Representation

We see the same patterns on claims across Alpharetta, Buckhead, Johns Creek, Marietta, Roswell, and Sandy Springs. These are not rare edge cases. These are standard outcomes when homeowners go through the claims process alone:

The narrow scope. The adjuster inspects two of six roof slopes and writes a scope that covers partial replacement. The back slopes — where hail damage is often heaviest because of wind direction — go unexamined. The homeowner does not know to ask for a full inspection. The contractor does. Result: a $9,000 approval on what should have been a $22,000 claim.

The cosmetic exclusion on functional damage. Georgia policies increasingly include cosmetic damage exclusions. Adjusters apply this exclusion to hail impacts that have actually cracked the shingle mat layer — damage that will lead to leaks within 2 to 5 years. The distinction between cosmetic and functional hail damage is technical. It requires close-up photography and sometimes a shingle sample sent to an independent lab. Most homeowners accept the cosmetic ruling at face value. A qualified contractor knows how to document and contest it.

Missing code-required upgrades. Georgia building code has changed multiple times in the last 15 years. If your home was roofed before the current code took effect, a replacement must include upgrades — ice and water shield in valleys, specific drip edge profiles, enhanced underlayment. These upgrades are required by code and covered by most insurance policies. But adjusters do not always include them in the initial scope. Each missing code item adds $500 to $3,000 to the claim value.

Low material pricing in Xactimate. Xactimate is the software insurance companies use to price claims. The material and labor rates in Xactimate are based on regional averages — and those averages can lag behind actual market pricing, especially after a major storm when demand spikes. A contractor who works in Xactimate daily knows when the pricing is below market and can document the gap with manufacturer price sheets and local labor rate surveys.

Omitted interior damage. The adjuster inspects the roof but does not check the attic. Water has already penetrated the decking and saturated the insulation. There are brown water stains on two bedroom ceilings. None of this makes it into the scope because the adjuster was not asked to look inside. A roofing contractor who understands interior water damage knows to document it and include it in the claim from the start.

Each of these scenarios costs homeowners thousands of dollars. Combined, they can mean the difference between a partial repair and a full roof replacement. This is why we attend every adjuster meeting, review every scope of loss, and file supplements on every claim that warrants one.

Certifications That Back Up Every Claim We File

Insurance adjusters deal with hundreds of contractors. Most are general contractors or handymen who dabble in roofing. When an adjuster sees our credentials, the conversation changes. They know they are working with a contractor who installs according to manufacturer specifications, documents according to industry standards, and writes supplements in the format their own company uses.

GAF Certified. Only 2% of roofing contractors in North America hold this designation. It requires annual verification of proper licensing, adequate insurance, a proven reputation in the community, and a commitment to ongoing professional training. GAF Certified status gives us access to the highest warranty tier in the industry — the Golden Pledge warranty, which covers materials and workmanship for 25 years with no dollar limit. When an adjuster sees GAF Certified on our documentation, they know the installation will meet or exceed every specification. That matters when they are deciding whether to approve a scope.

CertainTeed Certified. This credential requires factory training, verified installation proficiency, and adherence to CertainTeed's quality standards. CertainTeed Certified contractors can offer the SureStart PLUS warranty — 5-star coverage that includes 100% of material and labor costs for the first years of coverage with no deductible. For insurance claims, this credential signals that the replacement will be installed correctly and that the warranty will stand behind it.

. Preferred Contractor status means has vetted our business operations, verified our installation standards, and confirmed that we meet their requirements for customer satisfaction and financial stability. This network represents a small fraction of roofing contractors nationally. The Preferred Contractor designation unlocks's Platinum Protection warranty, giving your new roof extended coverage that most contractors cannot offer.

These are not marketing badges. They are professional credentials that take years to earn and require annual renewal. They give us standing when we walk a roof with an adjuster, file a supplement, or negotiate a scope. And they give you a roof backed by the strongest warranties in the industry — installed by a contractor who meets the manufacturer's highest standard.

Your Situation. Our Expertise.

Every insurance claim has its own set of challenges. Find the guide that matches where you are right now:

Roofing Insurance Help Across Metro Atlanta

We handle roofing insurance claims for homeowners throughout the Atlanta metropolitan area. Find your city below: