How much does insurance pay out for hail damage to a roof?
Short answer. It depends on how much of the roof the adjuster finds damaged and what your policy says, not on a set amount per storm. In North Georgia a full asphalt shingle replacement commonly runs roughly $8,000 to $16,000 before your deductible, large or complex roofs cost more, and hail damage to gutters, siding and screens adds to the claim.
What sets the number
- How many slopes qualify. Adjusters count hits in test squares on each slope. If only one or two slopes meet the carrier's threshold, you may get a slope repair rather than a full roof. See how test squares work.
- Roof size and complexity. Squares, pitch, valleys and the number of stories drive cost more than anything else.
- Material. Metal and specialty roofs price very differently, and cosmetic dents on metal may be excluded.
- Your deductible. A 2 percent wind and hail deductible on a $400,000 dwelling limit is $8,000, enough to wipe out a smaller claim.
- Depreciation and endorsements. An actual cash value roof or payment schedule cuts the payout on older roofs.
The rest of the house
Hail that bruises shingles usually also dents gutters, downspouts, window wraps and vents, tears screens, and can chip paint or crack vinyl siding. Each is a line on the same claim. Walk the property and photograph everything before you file.
Rough North Georgia ranges
Small roofs often run about $7,000 to $11,000 to replace, typical homes $8,000 to $16,000, large roofs $15,000 to $25,000, and complex or steep roofs $20,000 and up. The insurer's estimate, not these ranges, sets your payout, so compare it line by line with your roofer's scope. Check your street's storm history first at northgeorgiahailmap.com, and see hail size and roof damage.