Insurance vs. Out of Pocket
Here’s the truth: If your roof isn’t replaced due to storm damage,
YOU pay the full amount for your roof replacement later
Insurance Claim
Average deductible: $1,000 – $2,500
- ProsLower out-of-pocket costs (only the deductible)
Insurance often pays full replacement cost (RCV policies)
Easier to afford higher-quality materials or upgrades
May also cover gutters, vents, flashing, decking, interior damage, and code upgrades
- ConsMust pay your deductible
Must prove storm/hail/wind damage; wear and tear is not covered
Adjuster approval can be subjective
Claims process can be slower
Retail (Out of Pocket)
Average roof: $15,000 – $35,000+
- ProsVery fast and easy process
Full control over materials, upgrades, and timeline
No insurance inspections or approvals
- ConsYou pay the full cost (can be $15k–$30k+)
Unexpected costs (rot, code upgrades, extra materials) come out of pocket
No insurance help if issues arise later due to past storms
The Insurance Process
“What type of policy do I have? How do you know they’ll cover it?”
RCV
Replacement Cost Value
Covers full roof replacement. Payment comes in 2 checks – one after completion, one after final inspection.
ACV
Actual Cash Value
Covers the actual cash value of roof replacement (often around 70% of total cost due to depreciation).
RPS
Roof Payment Schedule
Payment is determined by roof age. You are given a table to show coverage based on depreciation schedule.
Estimate Your Roof Investment
Step-by-Step Estimator
Roof Replacement Cost Estimator
Not sure what a new roof might cost? Our quick estimator walks you through a few simple questions about your home to give you a ballpark figure in under 60 seconds.
- No personal info required
- Instant results
- Based on real Georgia pricing
Fast Approvals. Affordable Payments.
Flexible Roofing Payment Options
Get a clear picture of your monthly payment options in just minutes — without impacting your credit score. Whether you’re covering an insurance deductible, a partial claim balance, or a full retail roof replacement, we make financing simple and stress-free.
With our trusted financing partner, you can access:
- Loan amounts up to $250,000
- Affordable monthly payment options
- Funding in as little as 1–3 business days
- No prepayment penalties
- No home equity required
- Soft credit check to view offers
Use the calculator to explore payment plans that fit your budget and take the next step toward protecting your home.
Ready to Get Started?
Schedule your free roof inspection and get expert guidance on
your options.
Frequently Asked Questions
Have questions about roofing services? You’re not alone. Many homeowners and property owners want to better understand their roofing options, the installation process, and what to expect during repairs or replacements. Below, we’ve compiled answers to some of the most common roofing questions to help you make informed decisions about your project.
Most full roof replacements range between $15,000 and $35,000+, depending on roof size, material type, slope, decking condition, and code requirements. Homes with insurance-covered storm damage typically only pay their deductible, while retail (out-of-pocket) projects cover the full replacement cost.
If your roof has verified storm, hail, or wind damage, insurance will often cover replacement under most policies. Coverage depends on your policy type (RCV, ACV, or Roof Payment Schedule) and adjuster approval. Our team documents damage and works directly with your insurance company to maximize your eligible coverage.
Storm damage is considered an “Act of God” claim. It is impossible for it to be your fault a storm hit your property.
Premiums are determined by many factors: your zip code, your history, and the age of your property. If you live in a zip code that was hit by a big storm, your premiums will go up no matter what—even if you didn’t file a claim or replace your roof.
Some people see a decrease in premiums because their roof was so old it was a liability in the eyes of the insurance company.
💡 A ton of our clients shop around for different insurance carriers after replacing the roof because the age of the roof plays a big role in acquiring insurance. It can even open you up to cheaper rates.
In most insurance-covered projects, homeowners only pay their deductible once the claim is approved. There are typically no upfront costs required before work begins. If your claim includes partial approvals, we offer financing options to help cover the remaining balance.
- We ensure that all bushes and valuables are all tarped before tear-off
- We leaf blow all debris and throw away all trash
- We have multiple strong magnets that we use continuously to pick up any loose nails
- We leave your property as pristine as we found it