Storm and hail
North Georgia takes hail and straight line wind every spring. After it passes, the yard gets cleaned up and the roof looks fine from the driveway, so nothing gets done. The actual damage is bruised shingle mats, fractured granule surface, lifted ridge caps and cracked pipe boots. None of that leaks immediately. It leaks two seasons later, long after the claim window closed.
That is the whole reason we fly roofs. Twenty feet above a slope, hail bruising is obvious. From the ground it is invisible.
If there is an active leak, we tarp it. Nothing else matters until the water stops getting in. Then we fly the property, document every slope and every penetration, and put the images in your hands. You own that file whether you file a claim, hire us, or do nothing at all.
If the damage is real and worth filing, we will say so and show you why. If it is not, we will tell you that too. Filing a claim that gets denied is not free, and a contractor pushing every homeowner on the street to file is not doing them a favor.
This is where scopes get short. An adjuster walking a roof alone for fifteen minutes can miss slopes, miss the trim, miss the gutters. We meet them on site with the same photo set, walk the roof together and make sure what is written down matches what is actually damaged.
Claim questions
That is between you and your carrier, and it varies by policy and by state. What we can tell you is whether the damage is real and how significant it is, so you are making that decision with facts instead of a guess. We are not going to push you to file.
Most policies have a window, commonly one year from the date of loss, but it varies. The practical answer is do not wait. Evidence degrades, later storms muddy the date of loss, and the claim gets harder to support the longer it sits.
It happens, and sometimes they are right. When they are not, the difference is usually documentation. We provide the aerial photo set and will request a re inspection with the specific slopes marked, which is a very different conversation than a homeowner arguing from the driveway.
We provide the documentation, the scope and the meeting with the adjuster. The claim itself is filed by you with your carrier, because it is your policy. Anyone offering to file it for you or to waive your deductible is a reason to walk away.
