Can I claim hail damage twice?

Three common situations

• The roof was replaced after the first claim. A new storm damages the new roof. This is a normal new claim with its own date of loss and deductible.
• The first claim was paid but the roof was never replaced. The insurer already paid for that damage. On a new claim, it will try to separate old hits from new ones and may argue the roof was already a total loss, leaving little or nothing to pay.
• The first claim was denied. You can still file for a later storm. The adjuster will compare the damage with the earlier inspection, so new damage needs to be clearly new.

A supplement is not a second claim

If damage from the same storm was missed the first time, such as a slope, gutters or decking found during tear off, that goes back to the insurer as a supplement or a reopened claim, not as a new claim. It does not mean a second deductible.

Two storms before any repair

North Georgia can see more than one hail event in a season. If both damaged an unrepaired roof, the insurer may treat them as two losses with two deductibles. Choosing the right date of loss matters; check the storm history for your address on northgeorgiahailmap.com.

Will two claims hurt your policy?

Georgia law generally bars an insurer from refusing to renew solely because of two or fewer claims in 36 months that were not caused by your negligence. Rates and discounts may still change.

The simplest advice

If you are paid for a roof, replace it. Keeping the money and the damaged roof makes every future claim harder.

More: choosing the date of loss and roof supplements.