Storms move through Fayette, Coweta, Henry, Clayton and Spalding counties every year. The days right after a storm are when homeowners make the decisions that matter most for their claim and their home. Here is a simple checklist to work through.
1. Stay safe first
Stay off the roof. Keep clear of downed lines and leaning limbs, and call your utility company about any damaged service lines. If water is coming inside, move belongings away from it and catch drips where you can safely do so.
2. Photograph everything from the ground
Take date-stamped photos of the roof, gutters, siding, windows, screens, fences, cars and anything else that was hit. Hail dents on gutters, downspouts and vents are often easier to see from the ground than damage to shingles. Photograph any interior water stains too.
3. Prevent further damage
Most homeowner policies expect you to take reasonable steps to stop more damage, such as tarping an opening. Keep receipts for anything you buy. Read your own policy, or ask your agent, for the specifics that apply to you.
4. Call your insurance company
Report the claim and write down the claim number, your adjuster's name and the date of the inspection. Your adjuster works for the insurance company and decides what the policy covers.
5. Get a written inspection
A roofing contractor can inspect the roof surface, flashing, vents and decking and give you photos and a written scope to share with your adjuster. Be wary of anyone who offers to waive or cover your deductible, asks you to sign over your claim, or pressures you to sign on the spot.
6. Compare written scopes before you sign
Ask for an itemized estimate, compare it with the adjuster's report, and do not sign a contract until you understand what work is included and when it will start.
Storm season around Fayetteville, GA
In Georgia, severe thunderstorms with hail and high wind are most common in spring and early summer, though damaging storms can happen any time of year. After a big storm, out-of-town crews often go door to door in neighborhoods across Fayette and Coweta counties. Take your time, ask for a local address and phone number, and get everything in writing before you sign.
Need storm documentation for your adjuster? See our storm restoration process or call (470) 488-9764 to schedule a free roof inspection.