Start Here
Get an OpenbooQ quote first
Before you file, enter your address for a free, line-itemed quote in about 30 minutes — documenting the real cost of the work.
If You Read Nothing Else, Read This
Roof insurance claims, made clear.
The single most important thing to know: get your OpenbooQ quote before you file. Here's the whole process in three steps.
File your claim with our quote in hand
Submit it to your carrier at the time of filing, along with photos of the damage, so they see the actual repair cost from the start.
Your insurer reviews & settles with you
Having the real numbers up front can speed the whole process along — then we get your roof done.
Free · No obligation · About 30 minutes · or talk to a roofer
Why It Works
Your transparent quote speaks the adjuster's language.
Insurance adjusters often price claims using Xactimate or QuickMeasure-style methodology — the same approach OpenbooQ uses. Because the numbers reconcile cleanly, filing with our line-itemed quote in hand means your carrier sees the actual cost of the work from the start, with less back-and-forth.
What We Provide
A free, line-itemed quote documenting the real cost of the work.
Pricing built from actual material and labor cost — no markups.
A clear document you bring to your insurer yourself.
The Basics
Does homeowners insurance cover roof replacement?
Often, yes — but it depends entirely on what caused the damage and the terms of your policy. Here's the general rule of thumb most carriers follow. (Your policy is the final word, so always confirm with your insurer.)
Typically covered
Hail damage — bruising, granule loss, and impact cracks from a hailstorm.
Wind damage — shingles lifted, torn, or blown off in a windstorm.
Fallen trees or limbs — sudden impact damage from a storm.
Other sudden, accidental events — the key word insurers look for is "sudden."
Typically not covered
Age & normal wear — a roof simply reaching the end of its lifespan.
Lack of maintenance — damage that built up from deferred upkeep.
Pre-existing damage — problems that existed before the policy or the event.
Cosmetic-only issues — some policies exclude purely cosmetic damage.
This is general educational information, not a coverage determination. Whether your roof is covered — and how much your insurer pays — is decided solely by your insurance carrier under the terms of your policy.
Know The Terms
ACV, RCV, depreciation & your deductible, explained simply.
These four terms decide what your claim actually pays. Understanding them before you file means no surprises later.
ACV
Actual Cash Value
The depreciated value of your roof — replacement cost minus depreciation for age and wear. An older roof has a lower ACV.
Many policies pay the ACV amount first, up front.
RCV
Replacement Cost Value
The full cost to replace your roof with similar materials, with no depreciation deducted.
An RCV policy is designed to cover the complete cost of putting your roof back to new (minus your deductible).
Recoverable Depreciation
The held-back portion
The difference between ACV and RCV. On an RCV policy, insurers often pay the depreciated (ACV) amount first and hold back the rest.
That held-back "recoverable depreciation" is typically released after the work is completed and documented — so completing the job is what unlocks it.
Deductible
What you pay
The amount you pay out of pocket before insurance contributes. You are always responsible for your deductible — it can't be waived or covered by a contractor.
Example
$14,000 approved claim − $2,000 deductible = insurer pays $12,000, you pay $2,000.
The Full Walkthrough
How to file a roof insurance claim, in full detail.
The 3-step path above is the short version. Here's everything that happens, from the storm to your finished roof.
Document the damage
After a storm, safely photograph the damage from the ground — missing or lifted shingles, dents, debris, interior leaks or water stains. Note the date of the storm. The more documentation you have, the smoother your claim.
Don't climb onto a storm-damaged roof yourself — it's unsafe. Photos from the ground are enough to start.
Get an OpenbooQ quote first
Enter your address and we'll deliver a free, line-itemed quote in about 30 minutes using GAF QuickMeasure aerial imagery. This documents the real, transparent cost of the work — the number you'll bring to your carrier.
File your claim with the quote in hand
Contact your insurance company to file, and submit your OpenbooQ quote at the time of filing, along with your damage photos. Because adjusters use the same Xactimate/QuickMeasure-style pricing we do, the numbers reconcile cleanly — so your carrier sees the actual cost from the start.
The adjuster inspects & your insurer decides
Your carrier may send an adjuster to inspect. They determine coverage and the settlement amount under your policy. OpenbooQ doesn't negotiate with adjusters — but our clear documentation supports an accurate review.
We replace your roof, you pay your deductible
Once your claim settles, OpenbooQ completes the work to our standards — certified crews, body-cam documented, backed by our 5-year workmanship warranty. You're responsible for your deductible; your insurer settles the rest directly with you.
Clear Expectations
What OpenbooQ does & doesn't do.
We keep our role simple and transparent — here's exactly where OpenbooQ fits in the insurance process, and where your carrier takes over.
What OpenbooQ does
Provides a free, line-itemed quote in about 30 minutes documenting the real cost of the work.
Prices transparently from actual material and labor cost — no markups, no hidden fees.
Gives you a clear document you can bring to your insurer yourself when you file.
Performs the roof replacement to OpenbooQ's standards once your claim is settled.
What OpenbooQ doesn't do
We don't file or manage your insurance claim — you file directly with your own carrier.
We don't work directly with adjusters or negotiate on your behalf.
We don't determine coverage or guarantee that a claim will be approved.
We don't act as a public adjuster or provide insurance advice.
Insurance FAQ
Your roof insurance questions, answered.
The questions homeowners ask most about roof insurance claims.
Please note
OpenbooQ is a roofing provider, not an insurance company, public adjuster, or claims representative. We do not file, manage, negotiate, or settle insurance claims, and we do not provide insurance or legal advice. Whether storm damage is covered, and how much your insurer pays, is determined solely by your insurance carrier under the terms of your policy. Our quote documents the cost of the roofing work only; it does not guarantee claim approval, coverage, or any particular settlement amount. Always confirm coverage details directly with your insurer.
Start with a free, transparent quote.
Get a free, line-itemed OpenbooQ quote in about 30 minutes — the real cost of the work, documented and ready to bring to your insurer.
