Georgia · Insurance
Non-hurricane wind events. Most people searching this want to file a wind claim for a storm that wasn't a named hurricane — that's what you'll get, in writing, from a licensed, insured Georgia roofing contractor from our vetted network.
Get a written quoteuses your regular flat deductible, which is why many Florida homeowners with real damage from a tropical storm or squall line come out much better than under the hurricane 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
Creased or folded shingles that have lost their seal, lifted tabs, missing shingles, and ridge cap damage — concentrated on the side the wind came from. Uniform wear on all slopes is age, not wind.
Only if the National Hurricane Center gave it a name and it was in effect for your area at the time of loss. A severe thunderstorm, derecho, or unnamed tropical system is a regular wind claim.
In Florida, carriers can't surcharge for a single claim from a declared event, but claims history does affect your ability to shop for coverage. In Texas, it varies by carrier.
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.