Hail & Storm Damage Roof Claims in Georgia: A Step-by-Step Guide
Georgia sees severe thunderstorms and hail every spring, tropical storms along the coast, and the occasional tornado statewide. If a storm damaged your roof, these steps will help you get a fair claim and a quality repair, without falling for storm chasers.
1. Stay safe and prevent more damage
Don't climb on a wet or damaged roof. If water is coming in, move belongings, put down buckets and photograph everything. A roofer can install a temporary tarp. Keep the receipt, since emergency repairs are often reimbursable.
2. Document the damage
- Note the date and time of the storm.
- Photograph dented gutters, downspouts, vents, mailboxes and cars, which show hail size.
- Photograph missing or lifted shingles, granules in gutters, and interior water stains.
- Save local news or weather reports of hail in your area.
3. Get a professional roof inspection
Hail bruising and wind-lifted shingles aren't always visible from the ground. A reputable roofer can inspect, photograph the damage and tell you whether it's worth filing a claim, which matters because small claims can affect future premiums.
4. File the claim with your insurer
Call your insurer or file online, and have your policy number, storm date and photos ready. Ask about your deductible (many Georgia policies have a separate wind or hail deductible) and any deadlines for filing.
5. Meet the adjuster
The insurance company sends an adjuster to inspect the roof. It helps to have your roofer present to point out damage and make sure nothing is missed. You'll then receive a scope of loss and settlement. Read it carefully and compare it with your roofer's findings.
6. Review the settlement and choose your roofer
Many policies pay in two parts: actual cash value first, then recoverable depreciation after the work is done. Compare quotes against the approved scope. You aren't required to use any particular contractor, and you can get several quotes.
How to spot a storm chaser
- They knock on your door unsolicited right after a storm, often with out-of-state plates.
- They pressure you to sign a contract or an "inspection agreement" on the spot.
- They offer to waive, cover or rebate your deductible. That's insurance fraud.
- They ask for a large payment before any work begins.
- They can't show a local address, verifiable license, insurance certificates or local reviews.
Every roofer on Georgia Roofing Hub is screened before they can quote, and your contact details go only to the roofer you choose.