Does Homeowners Insurance Cover Storm Damage Roof Repairs?
Usually yes — but only if damage meets specific conditions. Standard HO-3 policies cover sudden, accidental events: high winds, hail, fallen trees, tornado damage, and lightning strikes. Georgia-specific note: many insurers now require a separate wind/hail deductible (commonly 1–2% of insured value). Wear, tear, neglect, and pre-existing damage are excluded.
Key steps: Document immediately after the storm, protect the property from further damage, be present for the adjuster's inspection, and review the estimate carefully. Missing line items are common on first estimates.
Estate Solutions coordinates directly with insurance adjusters throughout Metro Atlanta. Call (404) 913-3030 — we handle documentation, adjuster coordination, and supplement filing. Free inspection. Insurance billing direct. Licensed GC.