What happens when you file an insurance claim for hail damage?

Inside the insurer

1. First notice of loss: your report creates a claim file and number. After big storms, carriers bring in extra staff and independent adjusters, so the person who calls may work for an adjusting firm rather than the insurer.
2. Coverage check: the claim handler confirms the policy was in force on the storm date and notes the deductible and endorsements.
3. Weather check: many carriers verify hail at your address on that date.
4. Inspection: a field adjuster, sometimes a ladder assist inspector or a drone, examines the roof. Some carriers use photo-based virtual inspections for small claims.
5. Estimate: usually built in Xactimate with regional prices.
6. Decision: approval, partial approval or denial in writing, citing policy language for any denial.
7. Payment: actual cash value minus the deductible, made out to you and any mortgage company.
8. Close out: the claim stays open for supplements and depreciation until the work is done or the policy's time limit passes.

Timing in Georgia

The Commissioner's claim settlement rule generally expects acknowledgment within 15 days and a decision within set periods once the insurer has what it needs, though widespread storms slow everything. See the Georgia claim timeline.

What it means for your record

The claim is reported to industry claims databases even if nothing is paid. Georgia law limits nonrenewal over two or fewer weather claims in 36 months that you did not cause; see premiums after a claim.

Your part

Be available, attend the inspection with your roofer, respond to requests quickly and read every letter. Preparing for the adjuster covers the visit.