What You Need to Know About Roof Insurance Claim Checks
If your roof has storm damage, dealing with insurance can feel overwhelming. One of the most common questions we get at Xtreme Exteriors is about how insurance claim checks work. Here’s what you need to know to make the process smooth—and to protect yourself from future headaches.
Roof Insurance Claim Checks Come in Two Payments
Most homeowners’ insurance policies follow the same basic process when it comes to roof damage claims. After your claim is approved, you typically receive two payments, not one.
The first check covers the actual cash value (ACV) of your roof. This amount is often issued after the adjuster’s inspection and your claim is approved. It allows you to get the work started and pay your contractor’s deposit.
The second check comes after the work is finished. It covers the recoverable depreciation—the difference between the ACV and the replacement cost value (RCV). Your insurance company releases this payment once they confirm the job is complete.
In some cases, your mortgage company might also be involved. If they’re listed on the check, you’ll need their endorsement before you can cash it. At Xtreme Exteriors, we can help walk you through that process.
What Happens If You Don’t Get the Work Done?
Some homeowners are tempted to hold on to the first payment and skip the repairs. That can lead to big problems. If you don’t complete the work, your insurance company can void future claims on your roof. That means if another storm hits and you have new damage, they may deny coverage entirely.
Also, by not completing the work, you miss out on the second check. You’ll only receive the full value of your claim if the job gets done and the insurance company sees proof of completion.
Even worse, leaving a damaged roof unaddressed can lead to leaks, structural issues, mold, and more. In the long run, it’s more expensive—and risky—not to fix the damage.
We Make the Process Easier
At Xtreme Exteriors, we’ve worked with homeowners all across the Midwest on insurance claims. We understand how the process works and can help you every step of the way. Our team will provide detailed estimates, documentation, and photos to make sure your insurance company has everything they need. We’ll also work directly with them if there are any questions or additional steps required.
We do things the right way. We never cut corners or offer to waive deductibles—that’s insurance fraud. You can trust that your home is protected and your claim is handled with integrity.
Visit Our Showrooms
If you’re not sure what type of roofing materials to choose, we have several showrooms where you can see options in person. Our team can help you pick out the right shingles or materials for your home, whether you’re matching existing colors or going for a brand-new look.
You can visit us at:
We’re happy to walk you through material options, explain warranties, and answer your questions in person.
Try Our Visualizer Tool
If you prefer to explore your options from home, our online visualizer tool makes it easy. You can upload a photo of your house and try out different roofing styles, colors, and materials. It’s a great way to see how your choices will look before making a decision.
Don’t Risk Delaying Your Roof Repairs
If you’ve received an insurance claim check, don’t wait to get the work done. Completing your roof repair or replacement is the only way to protect your investment and maintain your insurance coverage.
At Xtreme Exteriors, we offer free roof inspections and can guide you through the entire insurance claim process. We’ll make sure the job is done right, on time, and with materials that last.
Ready to Get Started?
Visit one of our showrooms or try our visualizer tool online to get started. Contact Xtreme Exteriors today to schedule your free consultation. We’re here to help you protect your home and make the insurance process as simple as possible.
