When you file an insurance claim for roof damage, you will have an inspection performed by an adjuster. The adjuster will access the storm damage and will write you a Scope of Loss (repair estimates) if repairs are required.
Take note that it is often vital to have a roofing company you trust to meet with the adjuster. A common misconception is that the adjuster has your best interest in mind; however, that is not always the case. Consequently, a roofer works for you and should fight to ensure your roof is repaired to the full extent.
Once the Scope of Loss has been approved, the insurance company will send you a check for the total repairs less your deductible and depreciation.
Your roofing company will supplement any un-paid damages. Upon completion of the roof repairs, your roofer will invoice for the RCV amount of the roof claim, and then the insurance will release the withheld recoverable depreciation money.