Georgia · Insurance
Documentation, adjuster meeting, supplements. Most people searching this want to understand whether they have a claim and to not get steamrolled by the adjuster — that's what you'll get, in writing, from a licensed, insured Georgia roofing contractor from our vetted network.
Get a written quotethere is no fee to the homeowner for inspection and claim documentation — the roofer is paid from the approved claim, and your out-of-pocket is the deductible.
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
Roofer. An inspection before you file tells you whether there's enough damage to exceed the deductible and gives you photo evidence dated before the adjuster's visit.
The carrier's adjuster inspects the roof and writes a scope. Having your roofer present means damage doesn't get missed and the scope is argued on the spot rather than by letter later.
A request for additional payment when the adjuster's scope missed items — code upgrades, drip edge, ice-and-water shield, or damage found once the roof is opened up. Common and legitimate.
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.