What should you expect from a storm damage insurance adjuster?
The surge
A hailstorm across north metro Atlanta can produce a flood of claims in a single afternoon. Insurers bring in independent adjusters and catastrophe teams, and phone lines back up. Report your claim promptly, then use the wait: get the roof inspected, tarp any leaks and gather photos.
The visit
Storm adjusters often have several inspections a day. They usually walk the exterior first for hail evidence on gutters, downspouts and AC units, then check the roof slope by slope, then any interior damage. They may write the estimate in the truck or send it later. See what roof adjusters look for.
Common storm claim issues
- Missed slopes on cut-up roofs or rear slopes facing away from the street.
- Repair instead of replacement where shingles are brittle or discontinued.
- Missing items like drip edge, starter, ridge cap, step flashing or code required work.
- The wrong deductible applied, especially with percentage wind and hail deductibles.
Most of these get fixed through a documented supplement rather than a fight.
Watch for storm chasers
The same storm brings out-of-town contractors. Check the license, local address, reviews and insurance before you sign anything, and turn down any offer to cover your deductible, which is illegal in Georgia. See storm chaser scams in Georgia.