When a strong storm moves through Griffin and Spalding County, wind and hail can damage roofs across whole neighborhoods at once. Knowing the order of steps makes the process less stressful and helps you avoid common mistakes.
Step 1: Stay safe and stop more damage
Stay off the roof and away from downed lines. If water is coming in, move belongings and catch drips. Most homeowner policies expect you to take reasonable steps to prevent further damage, such as tarping an opening. Keep receipts for anything you spend.
Step 2: Document what happened
Photograph the roof from the ground, plus gutters, siding, windows, fences and anything else that was hit. Photograph interior stains too. Write down the date and time of the storm.
Step 3: Get a roof inspection
A contractor can inspect the shingles, ridge, flashing, vents and decking and give you photos and a written scope of the damage. This gives you a clear picture before you talk with your insurance company and helps you ask better questions.
Step 4: File the claim
Call your insurance company or agent to report the claim. Write down your claim number, your adjuster's name and the inspection date. Your adjuster works for the insurance company and decides what your policy covers, so read your own policy and ask your agent about your deductible and any deadlines.
Step 5: Compare the adjuster's report and your estimate
When the adjuster's report arrives, compare it line by line with your contractor's written estimate. Differences are common. Items like drip edge, flashing, vents or damaged decking are sometimes missed and can be discussed with your adjuster.
Step 6: Schedule the work in writing
Before work starts, make sure you have a written contract that lists the scope, materials and timeline. Do not sign anything that assigns your insurance benefits to someone else unless you fully understand it.
Red flags to avoid
- Anyone who offers to waive or pay your deductible.
- Pressure to sign the same day.
- A crew with no local address or phone number.
- Large payments demanded before any materials arrive.
Questions about your roof? See our roofing services or call (470) 488-9764 to schedule a free roof inspection. Ask about our first responder and military discount.