Will Insurance Pay for Your New Roof? How Roof Lab Helps Homeowners Across the Southeast Get Results
If you live anywhere in the Southeast—whether it’s Atlanta, North Carolina, Mobile, Nashville, or Murfreesboro—you already know how intense the storms can get. One round of hail or a windstorm is all it takes to damage your roof and leave you wondering:
“Will my insurance company cover the cost of a new roof?”
At Roof Lab, we help homeowners just like you navigate the confusing insurance process every single day. We're not just roofing contractors—we’re your insurance claim partner, working on your behalf to ensure you get the coverage you’re entitled to.
Step 1: Understand Your Policy – RCV vs. ACV
Before filing a claim, the first thing to check is what kind of homeowners insurance you have. It matters a lot.
🔹 RCV (Replacement Cost Value)
An RCV policy covers the cost of replacing your roof with materials of equal quality—minus your deductible. It’s more expensive month-to-month, but it gives you the most protection when disaster strikes.
🔹 ACV (Actual Cash Value)
An ACV policy takes depreciation into account. So if your 15-year-old roof is damaged, your insurance might only cover a small portion of the replacement cost. That can leave you paying thousands out-of-pocket.
Pro Tip: If you live in storm-heavy zones like Melbourne, Nashville, or Atlanta, RCV is a much safer bet.
Step 2: Don’t Miss Your Claim Deadline
Most insurers require you to file a claim within 12 months of the storm, also known as the Date of Loss (DOL). Wait too long, and you might not be eligible—even if the damage is clear.
That’s why Roof Lab offers free post-storm roof inspections in all our Southeast markets. We’ll help you spot damage before your coverage window closes.
👉 Schedule your free inspection now
Step 3: What Does “Storm Damage” Look Like?
Insurance companies won’t approve claims based on guesses or gut feelings. They typically want to see:
8 to 10 hail hits in a 10’x10’ test square on at least one roof section
Torn or missing shingles from high wind
Visible granule loss or structural impact
That’s why our team at Roof Lab uses drone photography, damage mapping, and adjuster-ready reports to build your case.
Whether you’re in Knoxville, Melbourne, Mobile, or Greenville, our documentation process ensures nothing gets missed—and nothing gets ignored.
Step 4: Why Homeowners Trust Roof Lab with Their Insurance Claims
Here’s where we set ourselves apart: Roof Lab partners with homeowners from day one of the claims process.
Here’s what you get when you work with us:
✅ We handle the adjuster visit
✅ We document storm damage with drones and inspection reports
✅ We challenge unfair denials or partial approvals
✅ We negotiate directly with your insurance company
You don’t pay anything until your claim is approved and your roof is being replaced.
We only win if you win. That’s the kind of partnership Southeast homeowners deserve.
What If Your Insurance Company Says No?
A denied claim isn’t the end of the story. We’ve helped hundreds of homeowners appeal rejections by providing:
Better inspection evidence
Detailed weather data and storm history
On-site re-inspections with your adjuster present
So whether your claim was denied in Mobile, underpaid in Greenville, or stalled in Nashville, Roof Lab knows how to reopen the case and push it forward.
🔗 Here’s how we helped one homeowner get their full roof covered in Atlanta
Service Areas We Support
We're proud to serve communities across the Southeast with expert insurance support and roofing solutions:
Find out if we serve your area → Roof Lab Service Areas
Final Word: Roof Lab Works With You and For You
You shouldn’t have to fight your insurance company alone. With Roof Lab, you’ll have an experienced team that knows how to speak the insurance language and put together a bulletproof case for your roof replacement.
📞 Let’s get ahead of the next storm together.
Book a free inspection today—and let Roof Lab take care of the rest.