The occurrence of peak-split or distortion in the reflected light of fiber Bragg grating (FBG) sensors with metallic coatings embedded in composites is inevitable during the curing process, regardless of protection layers. In this study, we present a comprehensive methodology to numerically predict the reflected spectrum of metallic-coated FBG sensors, considering the process-induced residual stress in carbon fiber/epoxy composites. The finite element analysis was utilized to simulate the residual stress, which primarily arises from mechanical, thermal, and chemical cure mechanisms of the composites, including the thermosetting resin. Subsequently, the reflected spectra were calculated using the coupled mode theory. Contrary to common expectations, our findings indicate that the coating thickness has minimal influence on the reflected spectrum, while the residual stress and embedding position significantly impact it. By employing this proposed methodology, the number of experimental trials can be reduced, enabling the development of robust structural and state monitoring systems for composites using metallic-coated FBG sensors.