Upload your insurance estimate and receive a plain-English breakdown of what was approved, what was withheld, what may require verification, and what you may be responsible for paying.
We do not sell your claim information or send your documents to contractors without your permission.
Insurance companies write estimates for contractors — not homeowners. ApproveMyRoof translates every line into plain English and shows exactly what you're getting paid, what's still owed, and what happens next.
This is a real Xactimate-style line item on the left. Flip the switch to see how ApproveMyRoof reads it.
Insurance approved paying to remove your damaged shingles.
Your roof is being replaced with new architectural shingles.
A waterproof layer installed underneath the shingles.
Protects the peak of your roof from water intrusion.
Helps prevent shingles from blowing off during storms.
Metal flashing installed along roof edges to prevent water damage.
Extra waterproof protection in vulnerable areas.
Many insurance estimates miss replacing step flashing. Local building code may require it when reroofing.
Allows proper attic ventilation, which extends the life of your roof.
The total amount your insurance company believes it should cost to replace your roof.
This is the first check your insurance company usually sends.
This money is not lost. It's released after repairs are completed and proof of work is submitted.
Insurance temporarily holds back part of the money until repairs are completed. Once the work is finished and documentation is submitted, this money is usually released to you.
Your portion of the claim, required by your policy. It cannot legally be waived in most states.
Insurance companies require proof of completed repairs before releasing your recoverable depreciation. Here's the paperwork most carriers want to see:
Your contractor usually submits this paperwork for you. Doing it yourself? You can typically upload these documents directly to your insurance company or email your adjuster. ApproveMyRoof walks you through this process step-by-step.
See the covered line items, approved quantities, and claim totals found in your documents.
Understand recoverable depreciation, nonrecoverable depreciation, paid-when-incurred items, and payment conditions.
Review your deductible, upgrades, uncovered work, and possible out-of-pocket responsibility.
Payment summary, RCV/ACV, depreciation breakdown, color-coded findings with confidence labels, documentation checklist, and an estimate of your out-of-pocket responsibility. Built from fictional claim data.
See if your estimate is ready to review.
Understand your estimate in plain English.
The detail most homeowners actually need.
The full package — nothing held back.
Helps identify questions, possible gaps, and documentation needs. Results do not guarantee coverage or additional payment.
Some findings require policy language, endorsements, local code information, contractor documentation, or carrier confirmation.
ApproveMyRoof helps homeowners understand replacement cost, actual cash value, deductibles, depreciation, scope items, and the documents needed after repairs are completed. It does not act as a public adjuster, law firm, insurance company, or guarantee of claim payment.
If you'd like an experienced, professional roofing contractor to look at your roof and your estimate in person, request a visit — at no additional charge and no obligation. Currently available in the Nashville / Middle Tennessee area.
Get a plain-English review of your roof insurance estimate in minutes.