--- title: What Do I Pay When My Roof Damage Insurance Claim is Approved? description: Are you about to file a claim for your roof damage? If so, you’re probably wondering what you actually have to pay for when your insurance claim is approved. Luckily, we’re going to break it down for you. Here, you’ll learn what you'll pay once your roof damage insurance claim is approved. image: https://www.billraganroofing.com/hubfs/Featured%20Images%20-%202024-06-21T121353.125.jpg --- [Skip to main content](https://www.billraganroofing.com/blog/what-pay-when-roof-damage-insurance-claim-approved#maincontent) - Follow Us - [ Facebook ](https://www.facebook.com/billraganroofingnashville/) - [ LinkedIn ](https://www.linkedin.com/company/bill-ragan-roofing-company) [«  View All Posts](https://www.billraganroofing.com/blog) [Insurance](https://www.billraganroofing.com/blog/topic/insurance) # What Do I Pay When My Roof Damage Insurance Claim is Approved? June 21st, 2024 | 4 min. read - Share This Article - [**](https://www.facebook.com/sharer/sharer.php?u=https://www.billraganroofing.com/blog/what-pay-when-roof-damage-insurance-claim-approved) - [**](https://twitter.com/intent/tweet?text=What+Do+I+Pay+When+My+Roof+Damage+Insurance+Claim+is+Approved%3F&url=https://www.billraganroofing.com/blog/what-pay-when-roof-damage-insurance-claim-approved&via=) - [**](https://www.linkedin.com/shareArticle?url=https://www.billraganroofing.com/blog/what-pay-when-roof-damage-insurance-claim-approved&title=What+Do+I+Pay+When+My+Roof+Damage+Insurance+Claim+is+Approved%3F&summary=Are+you+about+to+file+a+claim+for+your+roof+damage%3F+If+so%2C+you%E2%80%99re+probably+wondering+what+you+actually+have+to+pay+for+when+your+insurance+claim+is+approved.+Luckily%2C+we%E2%80%99re+going+to+break+it+down+for+you.+Here%2C+you%E2%80%99ll+learn+what+you%27ll+pay+once+your+roof+damage+insurance+claim+is+approved.) - [**](mailto:?body=https://www.billraganroofing.com/blog/what-pay-when-roof-damage-insurance-claim-approved) ![What Do I Pay When My Roof Damage Insurance Claim is Approved?](https://www.billraganroofing.com/hubfs/Featured%20Images%20-%202024-06-21T121353.125.jpg) ![Bill Ragan](https://www.billraganroofing.com/hubfs/Bill%20on%20hiking%20trail.png "Bill Ragan") [Bill Ragan](https://www.billraganroofing.com/blog/author/bill-ragan) ** Print/Save as PDF Did your roof get damaged after a storm? Are you trying to decide if filing a claim is worth it? Whether you answer yes to one or both questions, one of your biggest concerns is most likely what it’ll cost you. I understand paying for anything doesn’t seem fair after paying your insurance premium for years.  Unfortunately, you’ll always pay something once your roof damage claim is approved. But what exactly do you pay? **For over 30 years, Bill Ragan Roofing has helped homeowners like you with the confusion, headaches, and questions that come with insurance claims.** So, let’s look at what comes out of your pocket once your claim is approved. By the end of this article, you’ll know the three things you’ll pay for when getting your roof replaced through insurance. ## You must pay your deductible when your roof damage claim is approved **When your roof damage claim is approved, **[**you must pay your deductible**](https://www.billraganroofing.com/blog/do-have-pay-deductible-roof-replacement)**.** Some homeowners hear this and immediately start looking for ways around it. But trying to avoid paying the deductible opens you up to one of the biggest problems in the roofing industry today: [insurance scams](https://www.billraganroofing.com/blog/tips-avoid-roof-damage-insurance-scams). Once a bad roofing company knows the deductible is an issue, they’ll gladly offer to pay it to win your business. Some homeowners jump at the opportunity, but this is illegal and outright insurance fraud. And guess who has to deal with the consequences? You.  I understand that saving money is important, but finding a way to avoid your deductible is not worth committing fraud. That’s why you should NEVER consider a roofer who’s willing to pay your deductible. So, no matter what you hear or read, you must pay your deductible when your roof damage insurance claim is approved.  ## The price difference between the insurance estimate and the roofer’s estimate  ACV insurance policies will never cover the cost of a new roof because you only get the depreciated value of your roof. But if you have a [Replace Cost Value policy](https://www.billraganroofing.com/blog/acv-vs-rcv-which-insurance-policy-better-for-roof), the insurance company gives you a payout for what it costs to replace your roof with a brand-new version of itself.  Unfortunately, even RCV insurance estimates usually [don't fully cover a roofer’s estimate](https://www.billraganroofing.com/blog/what-should-do-when-roof-damage-insurance-estimate-too-low). They simply exclude certain line items, labor costs, or other things required to do the job right and be profitable.  You can [supplement your claim](https://www.billraganroofing.com/blog/why-important-have-roof-insurance-claim-supplemented) to get more covered, but even after that, it doesn’t guarantee everything will get paid for. **So, no matter your insurance policy, you’ll most likely be paying the difference between the two estimates.** A large portion of your new roof’s cost will be covered, but some homeowners still go looking for cheaper prices. If you look hard enough, I guarantee you can find a roofer willing to do it for the amount that insurance gives you.   But you need to ask yourself why they’re willing to do it for less than other companies. That’s why it’s crucial to research any company thoroughly before accepting their lower estimate and do your due diligence to determine why it’s so low. ## Upgrades outside of your insurance estimate’s scope of work As you just learned, an RCV policy provides a payout to restore your old roof with a new version. This means you’ll get the same [material and components](https://www.billraganroofing.com/blog/what-replaced-roof-replacement) that were originally installed (if they’re not discontinued), but they'll be up-to-date with current manufacturing specifications.   However, some homeowners take advantage of a large chunk of the cost being covered to upgrade components or add things outside of the original scope of work. **If you upgrade or add something, you’ll pay the difference out of pocket. ** The most common insurance upgrade is going from [3-tab asphalt shingles to architectural asphalt shingles](https://www.billraganroofing.com/blog/reasons-upgrade-3-tab-shingles-architectural-shingles), mainly because 3-tab shingles are phasing out of the industry. However, homeowners also upgrade their ventilation system, underlayment, flashing, or [another roofing material](https://www.billraganroofing.com/blog/best-roofing-material) altogether.  Just know that some things must be added to adhere to [building codes](https://www.billraganroofing.com/blog/roofing-codes-nashville-tennessee), such as [drip edge](https://www.billraganroofing.com/blog/is-drip-edge-necessary-on-roof). But insurance will cover the cost if your current roof doesn’t have it and your policy has a code upgrade stipulation. ## How do you avoid falling victim to roof damage insurance scams? Now you know what you’ll pay when filing an insurance claim for roof damage. No matter what, you’ll have to pay your deductible.  But the other two depend on your insurance company, policy, and if you want to upgrade anything in the scope of work. And most importantly, don’t go looking for a cheap price to reach insurance’s number. Doing this makes you vulnerable to insurance scams and bad roofers looking to take advantage of unsuspecting homeowners. Unfortunately, insurance work brings out the worst in the roofing industry.  Dealing with insurance is bad enough, so the last thing you should have to worry about is being scammed. That’s why I wrote another article with tips to ensure this doesn’t happen to you. Check out [6 Tips to Avoid Roof Damage Insurance Scams](https://www.billraganroofing.com/blog/tips-avoid-roof-damage-insurance-scams) to learn how to spot scammy tactics and bad roofers from a mile away. [![storm damage checklist](https://no-cache.hubspot.com/cta/default/3406853/ce142456-0d44-4525-b39d-c59729fa7773.png)](https://cta-redirect.hubspot.com/cta/redirect/3406853/ce142456-0d44-4525-b39d-c59729fa7773) #### Table Of Contents ## Related Articles [### ACV vs. RCV Policy: How Do Insurance Policies Work for Roof Damage? July 6th, 2026|6 min read ](https://www.billraganroofing.com/blog/acv-vs-rcv-which-insurance-policy-better-for-roof) [### What is an ITEL Report for a Roof Damage Insurance Claim? June 29th, 2026|7 min read ](https://www.billraganroofing.com/blog/what-itel-report-roof-damage-insurance-claim) [### 5 Best Storm Damage Roofing Companies in Nashville, TN (2026 Update) January 16th, 2026|4 min read ](https://www.billraganroofing.com/blog/best-storm-damage-roofing-companies-nashville-tennessee) [### Why is State Farm Refusing to Pay for a Roof Replacement? August 29th, 2025|5 min read ](https://www.billraganroofing.com/blog/why-state-farm-refusing-pay-roof-replacement) [### What’s the Insurance Process to Replace a Storm-Damaged Roof? August 6th, 2025|10 min read ](https://www.billraganroofing.com/blog/homeowners-insurance-the-process-to-replace-storm-damaged-roof) [### 7 Things to Know Before Filing a Roof Damage Claim in Brentwood, TN June 4th, 2025|6 min read ](https://www.billraganroofing.com/blog/things-know-before-filing-roof-damage-claim-brentwood-tn) [### What Size Hail Will Damage a Roof? May 28th, 2025|7 min read ](https://www.billraganroofing.com/blog/what-size-hail-damage-roof) [### 6 Things to Do When a Storm Damages Your Roof in Franklin, TN May 23rd, 2025|7 min read ](https://www.billraganroofing.com/blog/things-do-when-storm-damages-roof-franklin-tn) [### 4 Best Storm Damage Roofing Companies in Nolensville, TN May 12th, 2025|3 min read ](https://www.billraganroofing.com/blog/best-storm-damage-roofing-companies-nolensville-tn) [### 4 Best Storm Damage Roofing Companies in Franklin, TN (2025 Update) April 30th, 2025|3 min read ](https://www.billraganroofing.com/blog/best-storm-damage-roofing-companies-franklin-tn) [### 6 Things to Expect When Filing an Insurance Claim for Roof Damage April 21st, 2025|6 min read ](https://www.billraganroofing.com/blog/things-expect-when-filing-insurance-claim-roof-damage) [### 4 Best Storm Damage Roofing Companies in Brentwood, TN (2025 Update) April 18th, 2025|3 min read ](https://www.billraganroofing.com/blog/best-storm-damage-roofing-companies-brentwood-tn) [### Can an Insurance Company Force You to Replace Your Roof? April 4th, 2025|5 min read ](https://www.billraganroofing.com/blog/can-insurance-company-force-replace-roof) [### What Can You Do If Insurance Denies Your Roof Damage Claim? April 2nd, 2025|6 min read ](https://www.billraganroofing.com/blog/what-do-if-insurance-denied-roof-claim) [### What Kind of Roof Damage is Covered by Home Insurance? March 17th, 2025|6 min read ](https://www.billraganroofing.com/blog/what-kind-roof-damage-covered-insurance) [### 5 Reasons to Hire a Roofing Company with Insurance Claim Experience January 29th, 2025|4 min read ](https://www.billraganroofing.com/blog/hire-roofing-company-works-insurance-claims) [### 6 Ways Roofing Contractors Help With Roof Damage Insurance Claims November 22nd, 2024|5 min read ](https://www.billraganroofing.com/blog/ways-roofing-contractors-help-with-roof-damage-insurance-claims) [### 5 Things to Do If Your Roof Has Storm Damage November 18th, 2024|7 min read ](https://www.billraganroofing.com/blog/what-should-do-roof-storm-damage) [### 7 Steps to Get Insurance to Pay for a Roof Replacement October 25th, 2024|7 min read ](https://www.billraganroofing.com/blog/how-get-insurance-pay-roof-replacement) [### 6 Ways the Weather Impacts Your Roof and Home September 13th, 2024|6 min read ](https://www.billraganroofing.com/blog/ways-weather-impacts-roof) [### What Does Hail Damage Look Like on a Roof? August 26th, 2024|6 min read ](https://www.billraganroofing.com/blog/what-does-hail-damage-look-like-roof) [### 7 Tips When Hiring a Roofing Company for an Insurance Claim August 7th, 2024|5 min read ](https://www.billraganroofing.com/blog/tips-hire-roofing-contractor-roof-damage-insurance-claim) [### Why Does Your Roof Damage Insurance Claim Need to Be Supplemented? July 17th, 2024|4 min read ](https://www.billraganroofing.com/blog/why-important-have-roof-insurance-claim-supplemented) [### 5 Reasons Not to Get Multiple Quotes for a Storm Damaged Roof June 24th, 2024|5 min read ](https://www.billraganroofing.com/blog/reasons-why-shouldnt-get-multiple-quotes-storm-damaged-roof) ```json { "@context" : "https://schema.org", "@id" : "https://www.billraganroofing.com/#roofing-contractor", "@type" : "RoofingContractor", "address" : { "@type" : "PostalAddress", "addressCountry" : "US", "addressLocality" : "Nashville", "addressRegion" : "TN", "postalCode" : "37204", "streetAddress" : "2969 Armory Dr., Suite 300" }, "description" : "Award-winning Nashville roofing company specializing in residential roofing services, including roof replacements, roof damage claims, gutters, and more backed by a lifetime warranty.", "founder" : { "@type" : "Person", "name" : "Bill Ragan" }, "foundingDate" : "1990", "geo" : { "@type" : "GeoCoordinates", "latitude" : 36.1038435, "longitude" : -86.7535011 }, "logo" : { "@type" : "ImageObject", "url" : "https://www.billraganroofing.com/hs-fs/hubfs/assets/logo/bill-ragan-roofing-company--logo.jpg?width=200&height=83&name=bill-ragan-roofing-company--logo.jpg" }, "name" : "Bill Ragan Roofing Company", "priceRange" : "$, $$, $$$", "sameAs" : [ "https://www.facebook.com/billraganroofingnashville/", "https://www.instagram.com/billraganroofing/", "https://www.youtube.com/@theroofingchannel", "https://www.linkedin.com/company/bill-ragan-roofing-company", "https://www.yelp.com/biz/bill-ragan-roofing-nashville-2" ], "telephone" : "+1-615-242-0333", "url" : "https://www.billraganroofing.com/" } ``` ```json { "@context" : "https://schema.org", "@id" : "https://www.billraganroofing.com/#website", "@type" : "WebSite", "inLanguage" : "en", "name" : "Bill Ragan Roofing Company", "publisher" : { "@id" : "https://www.billraganroofing.com/#roofing-contractor" }, "url" : "https://www.billraganroofing.com/" } ``` ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "articleSection" : "Insurance", "author" : { "@type" : "Person", "name" : "Bill Ragan", "url" : "https://www.billraganroofing.com/blog/author/bill-ragan" }, "dateModified" : "2024-06-21T17:21:48+00:00", "datePublished" : "2024-06-21T17:21:48+00:00", "description" : "Are you about to file a claim for your roof damage? 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