The final determination of the value of the claim will be made by your insurance company, based on the report from their adjustor. Chances are it will be less than you were expecting. Remember that the adjuster is trying to minimize the expense to the company. The age of your roof should not be a determining factor on the size of the claim. Most policies state “replace with like kind and quality.” If the shingles are 12 years old, how do we replace them with 12 year old shingles? This figure can sometimes be negotiated. There are also options to hire a public adjuster who will work on your behalf to dispute the claim amount.
Russell Roofing can help you by providing a detailed damage report and a detailed repair/replacement estimate. Once we are under contract as your contractor of choice, we may have more leverage with your insurance company to get the full cost.