Hail damage to shingles, metal & siding
Hail bruises shingles and dents metal roofing, siding, gutters, and vents — damage that’s easy to miss from a ladder. We document every slope.
Hail, wind, or a fallen tree damaged your roof, and the insurer approved a patch, blamed wear and tear, or held back depreciation. We help Georgia homeowners and businesses statewide when a roof or hail claim is denied or underpaid. Free claim review.
Why roof claims stall
Georgia gets severe storms in spring and tropical remnants in fall. Tornado and storm season peaks from March through May, and in March 2025 a severe outbreak produced hail up to 2.75 inches at locations including Georgia. After a big storm, adjusters move fast and roof damage gets missed.
You don’t have to accept the first estimate. Under O.C.G.A. § 33-4-6, if an insurer refuses in bad faith to pay a covered loss within 60 days after a proper demand, Georgia law may allow a penalty plus reasonable attorney’s fees. Bad faith must be shown; it isn’t automatic. We bring an independent inspection and press for the real cost.
Roof claims we handle
Whether your hail damage insurance claim was denied, cut to a repair, or stuck in review, we can help.
Hail bruises shingles and dents metal roofing, siding, gutters, and vents — damage that’s easy to miss from a ladder. We document every slope.
Straight-line winds lift tabs, break seals, and tear shingles away. Creased shingles can look fine but no longer hold. We show the damage the carrier didn’t count.
“Old roof” is a common reason claims get cut, but age and storm damage aren’t the same. We tie the damage to the storm date and challenge denials that skip that step.
Carriers often price a repair, or a few slopes, when the roof needs replacing. If new shingles can’t match, a patch leaves a visible mismatch. We check what the policy says.
Many replacement-cost policies pay actual cash value first and hold back depreciation until the roof is replaced. We check the math and push to get the holdback released.
Water that came in through storm damage ruins ceilings and drywall, and a tree through the roof adds framing and debris costs. The claim should cover the inside too.
Other Georgia claims we handle
Georgia roof claim guide
Every roof claim turns on its own policy and facts, so treat this as general information, not legal advice.
Keep dated photos of bruised shingles, creased tabs, and dented gutters, vents & flashing; the storm date and National Weather Service storm reports; any pre-storm roof photos; and an independent inspection of every slope, not just one.
On a replacement-cost policy, the first check is often actual cash value — replacement cost minus depreciation. The holdback is usually recoverable once the roof is replaced, within the policy’s time limits.
When part of a roof is replaced, new shingles may not match. Whether the insurer owes a uniform roof turns on your policy wording, such as “like kind and quality,” and on whether matching shingles are still made.
If an insurer refuses in bad faith to pay a covered loss within 60 days after a proper demand, Georgia law may allow a penalty of up to 50% of the insurer’s liability for the loss or $5,000, whichever is greater, plus reasonable attorney’s fees. Bad faith must be shown; it isn’t automatic, and the demand’s timing and content matter.
Georgia regulations set claim-handling standards for how insurers acknowledge and decide claims. Ask for every decision in writing, along with the policy language the insurer relies on, and keep a log of each call and letter.
Georgia’s general limit for written contracts is six years (O.C.G.A. § 9-3-24), but property policies can shorten the time to sue, and Georgia courts enforce clauses as short as one year for many losses. Fire losses get at least two years under the Georgia standard fire policy (O.C.G.A. § 33-32-1). Read your policy’s “suit against us” clause and count from the date of loss.
If the only dispute is the amount, many policies allow appraisal. Invoking appraisal doesn’t automatically pause the deadline to sue, so keep an eye on the calendar. Public adjusters are licensed by the state.
Georgia’s Unfair Claims Settlement Practices Act (O.C.G.A. § 33-6-30 et seq.) is enforced by the Commissioner and doesn’t give policyholders a private right to sue. You can file a complaint with the Georgia Office of Commissioner of Insurance and Safety Fire, but it can’t act as your lawyer or decide what a disputed claim is worth.
Roof claim checklist
Check these before you sign a release or book a patch job.
Stay off the roof. From the ground, photograph each slope you can see, plus gutters, vents, siding, and hailstones beside a coin. Keep the estimate, every letter, roofer quotes, and repair receipts.
Which slopes did you inspect? Why a repair, not a replacement? How much depreciation was held back, and how do I recover it? Which policy provision supports the decision? Get answers in writing.
Get your own inspection if the estimate covers only a few slopes or calls fresh damage wear and tear. Call a lawyer before signing a release or accepting a “final” payment, or if a deadline is near.
Why Georgia homeowners call us
We never represent insurance companies.
So there’s no conflict when we tell an adjuster the roof needs replacing.
We never work for carriers, so when we dispute a wear-and-tear denial, the insurer knows we have no relationships to protect.
We work on contingency — no fee unless we win, with no retainer or hourly bill. Refers only to attorney’s fees; court costs and other expenses may be owed even if there is no recovery. We explain fees and costs in writing first.
We review Georgia roof and hail claims by phone and video statewide. Property People Law’s office is at 80 SW 8th Street, Suite 2590, Miami, FL 33130.
Georgia hail and wind, 2025–2026
Recent storms have dropped large hail and strong wind on Georgia roofs. If yours was hit and the estimate covers only a repair or a few slopes, it deserves a full, slope-by-slope second look. We review Georgia claims by phone and video statewide.
A severe weather outbreak produced hail up to 2.75 inches at locations including Georgia. Hail that size can bruise shingles and dent metal without obvious leaks, so damage is easy to miss on a quick inspection.
On May 29, 2025, a tornado crossed I-75 near Locust Grove in Henry County. On June 27, 2025, quarter-size hail fell in Forest Park in Clayton County, with wind damage in Atlanta.
On March 12, 2026, two tornadoes in Laurens County damaged roofs and shingles. In October 2026, the NWS forecast long stretches of 35–45 mph gusts in Georgia from Hurricane Isaias, and dozens of trees came down across metro Atlanta, including on homes. If the roof is in Georgia, we can review the claim.
Our process
We handle the adjuster, the inspections, and the paperwork.
Free and confidential. Send the declarations page, the adjuster’s estimate or denial letter, and your roof photos.
Independent roofers and engineers inspect every slope, document what the carrier missed, and price a proper repair or replacement, including matching and interior damage.
We send a documented demand showing what the roof claim is worth and where the estimate falls short. Many disputes resolve here, and we explain appraisal if it fits.
If they still won't pay fairly, the claim can go to suit in state or federal court, with the resources to take it all the way.
Roof & hail claim questions
Usually, yes. Most Georgia homeowners policies cover sudden hail and wind damage to the roof. Disputes tend to be about how much damage there is, whether this storm caused it, and whether a replacement is owed.
It depends on how far the damage runs, whether a proper repair is possible, and your policy. If damage covers much of the roof, or shingles can’t be patched well, a replacement may be owed.
Ask for the inspection report and photos behind it, and compare them with the storm date, weather reports, and an independent inspection. Age doesn’t explain fresh hail bruises, so a blanket wear-and-tear denial is worth challenging.
Many replacement-cost policies pay actual cash value first — replacement cost minus depreciation — and hold back the rest until the work is done. Your deductible comes out too.
Check your policy’s loss settlement section. It usually requires you to replace the roof and claim the holdback within a set time, often with an invoice. Ask in writing and keep copies.
It depends mainly on your policy wording, such as “like kind and quality,” and on facts like whether matching shingles are still made and how visible a mismatch would be.
We handle roof and hail claims against State Farm, Allstate, USAA, Travelers, Auto-Owners, Farmers, American Family, Liberty Mutual, Georgia Farm Bureau, Progressive, and other carriers. We represent policyholders only, never insurance companies.
Often, when wind or a storm brings it down on your home. Coverage usually reaches roof and structural repairs, interior water damage, and some debris removal, subject to policy limits.
Georgia regulations set claim-handling standards for how insurers acknowledge and decide claims, and the timing depends on the claim and what the insurer has received. Ask for every decision in writing, along with the policy language it relies on. If an insurer still won’t pay a covered loss after a proper demand, O.C.G.A. § 33-4-6 may apply.
It may be shorter than you think. Georgia’s general limit for written contracts is six years (O.C.G.A. § 9-3-24), but property policies can shorten the time to sue, and Georgia courts enforce clauses as short as one year for many losses. Read your policy’s “suit against us” clause and count from the date of loss.
Possibly. Under O.C.G.A. § 33-4-6, if an insurer refuses in bad faith to pay a covered loss within 60 days after a proper demand, Georgia law may allow a penalty of up to 50% of the insurer’s liability for the loss or $5,000, whichever is greater, plus reasonable attorney’s fees. Bad faith must be shown; it is not automatic, and the demand’s timing and content matter.
We work on contingency — no fee unless we win, and no retainer or hourly bills. Refers only to attorney’s fees; court costs and other expenses may be owed even if there is no recovery. The first review is free.
Often, if your policy has an appraisal clause and the dispute is only about the amount. Appraisal generally sets the amount of loss, not coverage, and invoking it doesn’t automatically pause the deadline to sue. Read the clause and its steps before you invoke it.
Free roof claim review
Roof insurance claim denied or underpaid? Send us the estimate or denial letter, and we’ll review it and follow up within 2 business days. Free, confidential, no obligation. We handle home and business property insurance claims. We don't handle car or auto accident claims.