What is the roof replacement insurance process from start to finish?

1. Storm (day 0). Note the date and photograph visible damage from the ground.
2. Inspection (days 1 to 7). A roofer checks every slope, the soft metals, and the attic, and tells you whether there is claimable damage.
3. Claim filed (as soon as damage is confirmed). Report the date of loss and a description, and get a claim number.
4. Adjuster inspection (often 1 to 3 weeks after filing). Longer after big regional storms. Have your roofer there.
5. Estimate and decision (days to 2 weeks after inspection). The estimate lists what is approved, the depreciation, and your deductible.
6. First payment (shortly after the estimate). Actual cash value minus the deductible. Lender endorsement can add time.
7. Scope review and supplement (1 to 3 weeks). Your roofer flags missing items with documentation.
8. Contract, color selection, and HOA approval (1 to 3 weeks). HOA review can be the slowest part in some neighborhoods.
9. Installation (usually 1 day for an average home). Hidden decking damage is photographed and replaced.
10. Final invoice (within days of completion). Completion photos and the invoice go to the insurer.
11. Depreciation and supplements released (commonly 1 to 4 weeks). Then the final payment to the roofer and your warranty paperwork.

Georgia specifics worth knowing

• Contractors may not waive or rebate your deductible.
• If your roofing contract depends on insurance and the claim is denied, Georgia law lets you cancel; check your contract for the window.
• Since July 1, 2025, contractors may not take an assignment of your insurance proceeds within one year of a declared natural disaster.
• Permit requirements vary by city and county.

For durations in more depth, see the Georgia roof claim timeline, and for the claim decision itself, what adjusters look for.