Georgia · Insurance
Hail strikes, test squares, and adjuster scope. Most people searching this want to know if the hail actually damaged the roof and to get the claim approved if so — that's what you'll get, in writing, from a licensed, insured Georgia roofing contractor from our vetted network.
Get a written quoteno 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.
Metro Atlanta and North Georgia sit in a real hail corridor — spring storms out of the Plains regularly track through Cherokee, Forsyth, and Gwinnett counties, and insurers here increasingly write percentage-based wind/hail deductibles instead of a flat dollar amount. Check your declarations page for it.
Coastal counties (Chatham, Bryan, Effingham) carry separate named-storm and hurricane deductibles, similar in concept to Florida's, that only apply once the National Hurricane Center issues a watch or warning for the area.
Georgia has no law banning assignment-of-benefits agreements the way Florida does, so read anything a roofer asks you to sign before a claim is filed — you can get an inspection and file a claim without signing away control of it.
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
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.
Texas policies typically allow filing within a year or two of the event, but the sooner the better — weathering makes old hail damage harder to distinguish from wear.
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.
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