In Alabama, storms don’t just shake your windows—they can cause serious damage to your roof. Tornadoes, hail, and high winds are common, and if your home takes a hit, one of the first questions you might ask is:
“Will my insurance cover the cost of a new roof?”
The answer often depends on your insurance policy, the type of damage, and how the claim is handled. That’s where Ridgeline Roofing and Restoration makes the biggest difference.
We’re not just a roofing company—we’re a trusted partner to homeowners during the insurance claims process. From the first inspection to final cleanup, we’re in your corner every step of the way.
Homeowners Insurance 101: RCV vs. ACV
There are two primary types of homeowners insurance when it comes to roof damage:
🔹 Replacement Cost Value (RCV)
RCV policies are the most comprehensive. If your roof is damaged, your insurer will pay the full cost to replace it with materials of similar quality, minus your deductible.
🔹 Actual Cash Value (ACV)
ACV policies deduct for depreciation. So if your roof is 12 years old, your payout could be far less than what a full replacement actually costs.
Tip: RCV policies offer more protection, especially in storm-heavy regions like Birmingham, Huntsville, or Montgomery.
Why Ridgeline Roofing and Restoration Is Your Insurance Advocate
Too often, homeowners are left to deal with confusing insurance paperwork, inconsistent adjuster reports, or denied claims. That’s why Ridgeline Roofing and Restoration works directly with your insurance provider, so you don’t have to go it alone.
Here’s how we help:
✅ Claim Documentation & Inspection
We thoroughly inspect your roof and document every detail with photos, notes, and drone footage to support your claim.
✅ Adjuster Coordination
We meet directly with your insurance adjuster during their inspection to make sure no damage is missed.
✅ Re-inspections & Appeals
If your claim is denied or underpaid, we’ll request a re-inspection or help appeal the decision—at no cost to you.
✅ Complete Transparency
We walk you through each step of the process so you always know what’s happening. No surprises. No pressure.
This commitment to clear communication and hands-on support is why Alabama homeowners trust Ridgeline with their roofing and restoration needs.
Real Damage, Real Claims: What Insurers Look For
Insurance companies require visible proof of storm-related damage. For hail claims, most adjusters look for 8 to 10 distinct hits within a 10’ x 10’ test square on each face of your roof.
That sounds simple—but small hail, hidden wind damage, and subtle granule loss can be hard to spot without the right training.
With Ridgeline, our certified experts ensure that nothing is overlooked—and your claim has the best possible chance of approval.
See how we’ve helped other homeowners ➡️
What If My Claim Gets Denied?
Insurance companies don’t always get it right the first time. But you don’t have to accept a denial at face value.
Ridgeline will:
- Review your adjuster’s report for accuracy
- Provide supplemental evidence (photos, video, and weather reports)
- Communicate directly with your insurance company to dispute inaccurate findings
We’re committed to helping you get the coverage you deserve—not just a patch job.
Why Homeowners Trust Ridgeline Roofing and Restoration
When it comes to roofing and insurance claims, experience matters. Ridgeline has helped hundreds of Alabama homeowners get new roofs through successful insurance claims—without the stress.
Check out our reviews!We’re proud to offer:
- Honest assessments (we don’t recommend a claim if we don’t think it will be approved)
- Zero upfront costs until your claim is accepted
- Licensed, local crews who understand Alabama weather patterns
📍 Want to know if your roof qualifies for a claim?
Schedule a free inspection today—and let Ridgeline take it from here.