Georgia · Insurance
Reinspections and appraisal. Most people searching this want a second opinion after the carrier said no or paid too little — that's what you'll get, in writing, from a licensed, insured Georgia roofing contractor from our vetted network.
Get a written quotereinspection is free from our partners; if the dispute escalates to appraisal or a public adjuster, those are paid from the recovery, not up front.
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
Ask for the report and photos. Get a roofer with claims experience to document the storm-specific damage the adjuster didn't attribute. Request a reinspection with your roofer present. Most reversals happen at this step.
A process in most policies where you and the carrier each hire an appraiser and a neutral umpire settles the difference. It's faster and cheaper than litigation, and roofers can't do it for you — a public adjuster or appraiser can.
For a large disputed claim, often yes. They take a percentage of the recovery. For a straightforward claim with clear damage, a good roofer's documentation is usually enough.
In 16 counties and 70 cities and communities — every area listed below. If yours isn't there, send the address anyway; the partner's service radius is wider than the page list.