How long does it take for insurance to approve a new roof?
Short answer. Most insurers decide on a new roof within days to about two weeks after the adjuster inspects it, and the inspection is usually scheduled one to three weeks after you file. After a widespread hailstorm, both steps can take longer. Georgia's claim handling rules require insurers to acknowledge and act on claims promptly, so ask for dates in writing.
The approval path
- File the claim with the date of loss and the cause. You get a claim number and an adjuster assignment.
- Adjuster inspection. A field adjuster climbs the roof or uses a drone; some claims start with a desk review of photos.
- Decision. Some adjusters tell you on site which slopes qualify; the written estimate follows.
- Estimate and payment. The estimate lists what is approved, and the first check is issued.
What delays approval
- Borderline damage counts that send the file to a supervisor or an engineer.
- Missing information, like the date of loss or photos of interior damage.
- Prior claims or earlier unrepaired damage on the same roof.
- Questions about matching or repairability that need a second look.
What speeds it up
- Have your roofer inspect first and attend the adjuster visit, pointing out damage on every slope.
- Send dated photos of collateral damage: gutters, vents, AC fins and window screens.
- Answer every request the same day.
If only part of the roof is approved
You can ask for a reinspection with new photos. For a full walk through of the visit itself, see preparing for the adjuster.