How it works
- 1. Free roof inspection. We walk the roof, chalk every strike, and document with photos. No cost, no pressure.
- 2. Documentation. We can be there when your carrier's adjuster inspects to show every damaged area we documented. Anything missed is documented in writing for you.
- 3. Approval + rebuild. Once approved, we complete the repair or replacement under your policy. You pay your deductible.
When the first answer is wrong
Partial approvals and denials happen — a few slopes approved instead of the whole roof, a discontinued shingle treated as repairable, code items left off the estimate. We compare the adjuster's estimate with what we documented and give you the photos and written documentation to support a re-inspection request.
A note on deductibles
You're responsible for your deductible. A contractor who offers to "cover" or waive it is a red flag that can put your claim at risk. We never do.
What a roof claim actually includes
An insurance estimate is a list of line items, and missing lines are where homeowners lose money. A complete roof scope usually includes tear-off and disposal, underlayment, drip edge, ice-and-water protection, starter and ridge courses, step and counter flashing, pipe boots, vents, and any code-required upgrades - not just 'shingles by the square.'
We compare the carrier's estimate line by line against what your roof actually needs and what local building code requires. When something is missing, we document it with photos and measurements so you can share it with your insurer.
Your rights as a Georgia homeowner
- You choose your contractor. Your insurer can recommend one, but you're not required to use it.
- You're entitled to a copy of the adjuster's estimate and the reasons behind any denial.
- You can request a re-inspection if you believe damage was missed.
- Your deductible is your responsibility. Any contractor who offers to waive or 'cover' it is asking you to commit insurance fraud.
Mosaic is a roofing contractor, not a public adjuster or a law firm, and we can't negotiate your claim for you. What we do is give your insurer the clearest possible picture of your roof.
Recoverable depreciation, in plain English
Many policies pay in two checks. The first is the actual cash value - the replacement cost minus depreciation. The second, the recoverable depreciation, is released after the work is finished and the insurer receives the final invoice. We send that paperwork promptly so the second check isn't held up. If your mortgage company is named on the check, we'll help you through their endorsement process too.
Common reasons roof claims come up short
- Only the visibly damaged slopes are included, even though matching shingles aren't available.
- Code-required items like drip edge, ice-and-water protection or replacement of rotted decking are left out.
- Steep-pitch and high-roof labor charges are missing.
- Vents, pipe boots, flashing, gutters and other metal components aren't on the estimate.
- The roof was measured incorrectly or the waste factor is too low.
We document each of these with photos and measurements so you have the facts to share with your insurer. We keep it factual and professional.
Frequently asked questions
Do I have to use the contractor my insurance company recommends?
No. In Georgia you choose your own contractor.
What if my claim was denied?
Call us. We'll inspect the roof and tell you honestly whether there's real storm damage worth contesting.
What do I pay?
On an approved claim, your deductible — plus any upgrades you choose that aren't part of the covered scope.
Should I call my insurance company or a roofer first?
Either works, but many homeowners call us first so they know whether there's real damage before opening a claim. Our inspection is free.
Can you be there when the adjuster inspects?
Yes. We can be there to show the adjuster every area of damage we documented. Negotiating the claim is between you and your insurer.
How long does the claim process take?
It varies by carrier and storm volume. Simple claims can be approved within a couple of weeks of the adjuster visit; claims that need a re-inspection take longer. We keep you updated at each step.
Do you charge anything to help with my claim?
No. Our inspection and claim documentation are free. If the claim is approved and you choose Mosaic to do the work, you pay your deductible plus any upgrades you pick.