Acworth · Cobb County · Insurance
This is the Acworth page for hail damage roof claim. The short version: you want to know if the hail actually damaged the roof and to get the claim approved if so, and you can have it without a salesperson at the door.
Get a written quoteThose roofs are hitting 15 to 20 years now, and insurers are asking about them at every renewal. Most homes here went up in the 2000s building boom, when production builders installed the least expensive shingle that met code. Roof surface payment schedules and ACV roof endorsements are showing up on renewals across Central Texas; read the declarations page before assuming a claim will fund a new roof.
On cost: no cost to inspect; the roofer's incentive is a fully scoped claim, and yours is a new roof for the price of your deductible — both align when the damage is real.
The Georgia Office of Insurance and Safety Fire Commissioner regulates claims handling and is the right place to file a complaint if a carrier is dragging its feet on a documented claim.
How it works
Under a replacement cost policy, no — the recoverable depreciation is only paid when the work is done. Under an ACV policy, you get the depreciated value and can do what you want, but it won't buy a new roof.
Test squares: a 10x10 foot area on each slope is chalked and hail strikes are counted. Most carriers use a threshold (often 8+ per square) to approve a slope. Your roofer should do the same count before the adjuster arrives.
The Georgia Office of Insurance and Safety Fire Commissioner regulates claims handling and is the right place to file a complaint if a carrier is dragging its feet on a documented claim. Acworth is inside the everyday service radius, so there's no travel surcharge and no "we'll be in the area next month."