How do you get a roof claim approved?
Short answer. A roof claim gets approved when the evidence shows a covered storm caused functional damage: a specific date of loss, hail or wind damage documented on each slope, dents on soft metals that confirm the storm, and photos taken before any repair. Having a knowledgeable roofer at the adjuster's inspection and answering every request quickly also help. No honest approach guarantees approval, but evidence decides most claims.
Build the evidence before you file
- Date of loss. Match your damage to a storm with hail or wind reports near your address. See date of loss.
- Slope by slope damage. Hail hits are counted in test squares; wind damage shows as creased, torn or missing shingles.
- Collateral damage. Dented gutters, downspouts, vents, AC fins, mailbox and torn window screens.
- Interior damage, if any, with photos and moisture readings.
At the inspection
- Be home, and have your roofer there to walk the roof with the adjuster.
- Point out damage on every slope, including the ones facing away from the street.
- Ask the adjuster what they found before they leave. See preparing for the adjuster.
Mistakes that sink claims
- Waiting months to file after a known storm.
- Repairing before the inspection without photos.
- Calling wear and tear storm damage.
- Accepting an offer to waive the deductible, which is illegal in Georgia and taints the claim.
If the answer is no
Ask for the denial in writing with the policy language it relies on, then request a reinspection with new evidence. Disputes over cause need more proof; disputes over the amount can go to appraisal.