Will homeowners insurance pay for a new roof in Atlanta?

Homeowners insurance will pay for roof replacement in Atlanta when damage results from covered perils like hail, wind, or storm damage. Insurance won't cover normal wear, aging, or maintenance issues. Georgia's frequent storms make many roof replacements eligible for insurance coverage.

What's the difference between RCV and ACV insurance policies for roof replacement?

RCV (Replacement Cost Value ) pays full roof replacement cost regardless of age, while ACV (Actual Cash Value) only pays depreciated value based on roof age. RCV policies require only deductible payment for approved claims, while ACV policies leave homeowners with significant out-of-pocket expenses.

Should I call my insurance company or a roofer first after storm damage?

Contact an experienced roofer first to properly document storm damage with trained expertise. Roofers identify damage insurance adjusters often miss. You have up to one year from the storm date to file claims, so proper documentation by roofing professionals maximizes claim success.

How does the insurance roof replacement process work in Atlanta?

Atlanta insurance roof replacement involves: roofer inspection and damage documentation, insurance claim filing, adjuster assessment, claim approval, contractor supplementing for missed items, and work completion. The process typically takes 2-4 weeks from filing to approval, with experienced roofers managing documentation and supplementing.

What does it mean to supplement an insurance roof replacement claim?

Supplementing means requesting additional insurance coverage for items initially missed in the adjuster's estimate. Insurance adjusters commonly omit necessary repairs, materials, and code upgrades. Experienced contractors identify these gaps and secure additional coverage, often adding thousands in value to claims.

Do I need multiple quotes for insurance roof replacement in Atlanta?

Multiple quotes aren't necessary for insurance claims since insurance companies set pricing through Xactimate software. Focus on selecting contractors based on reputation, insurance experience, and supplementing expertise rather than price. Quality contractors maximize insurance coverage through proper supplementing.

What if my insurance claim is denied for roof replacement?

Denied claims can be appealed through second adjuster opinions, independent structural engineer inspections, or legal consultation. Common denial reasons include insufficient damage documentation or adjuster oversight. Experienced roofers help navigate appeals by providing professional damage documentation and working with engineers when necessary.

What are the signs that I need a new roof in Atlanta?

Key signs include missing, cracked, or curling shingles, water stains on ceilings, excessive granules in gutters, roof sagging, and energy bill increases. In Atlanta's climate, UV damage and storm damage accelerate these issues. Roofs over 20 years old showing multiple signs need replacement.

How long does a roof last in Atlanta's climate?

Asphalt shingles last 15-25 years in Atlanta, shorter than manufacturer warranties due to intense UV exposure, humidity, and frequent storms. Three-tab shingles last 15-20 years, architectural shingles 20-25 years. Metal roofing lasts 30-50 years with proper maintenance.

How much does a new roof cost in Atlanta?

Atlanta roof replacement costs $4.00-$10.00 per square foot for asphalt shingles, with total projects typically ranging $20,000-$30,000 for most homes, though smaller homes may start around $8,000. Three-tab shingles cost $4.00, architectural shingles $5.86 per square foot. Insurance-covered replacements typically require only deductible payment ($500-$2,500).

Can I install a new roof over my old roof in Atlanta?

Installing over existing roofs (overlay) is possible but not recommended. Georgia codes allow maximum two layers, but overlays prevent decking inspection, void warranties, and create future removal costs. Full replacement allows proper inspection, flashing replacement, and warranty coverage.

How often should I inspect my roof in Atlanta?

Inspect roofs twice yearly (spring and fall) plus after severe weather events. Professional inspections annually for roofs over 10 years old. Atlanta's intense storms and UV exposure require vigilant monitoring to catch problems before they become expensive repairs or emergencies.

What roofing materials work best in Atlanta's climate?

Architectural asphalt shingles with enhanced UV protection and impact resistance perform best for budget-conscious homeowners. Metal roofing excels in Atlanta's climate, offering superior heat reflection, wind resistance, and longevity. Light-colored or reflective materials reduce cooling costs in Georgia's intense heat.

What are the most common roofing problems in Atlanta?

Atlanta's most common roofing problems include heat-related shingle damage from 160°F+ temperatures, storm damage from frequent hail and wind, moisture issues from high humidity causing mold growth, clogged gutters from heavy rains, and flashing failures from temperature fluctuations. UV radiation accelerates all deterioration processes.

How does Atlanta's weather affect roof lifespan?

Atlanta's climate reduces roof lifespans by 20-25% compared to moderate climates due to intense UV radiation, temperature extremes, high humidity promoting mold growth, and frequent storms. Typical 25-year shingle warranties become 20-22 years in practice. Proper maintenance helps achieve expected lifespans despite challenges.

What preventive measures work best for Atlanta roofs?

Best preventive measures include reflective coatings to reduce heat buildup, proper attic ventilation to combat humidity, twice-yearly inspections, regular gutter maintenance, prompt minor repairs, and tree trimming. These measures can extend roof life by 5-10 years in Atlanta's challenging climate conditions.

How do I prepare my roof for Atlanta's storm season?

Storm preparation includes thorough spring inspections, securing loose materials, cleaning gutters and downspouts, trimming overhanging branches, removing roof debris, and establishing contractor relationships before emergencies. Document current roof condition with photos for insurance purposes and understand claim filing procedures.

Complete Roofing Makes FIXR's Top 26 Roofing Companies of 2026

Meet Chad Conley — A Top Roofing Leader for 2026

Chad Conley, CEO and co-founder of Complete Roofing, has been recognized by Fixr as one of the Top 26 Roofing Experts for 2026 — a testament to his leadership and influence in the roofing industry. Fixr

Under Chad’s guidance, Complete Roofing has built a reputation for reliability, craftsmanship, and a commitment to excellence. The company, based in Woodstock and serving the Metro Atlanta area, specializes in storm damage solutions, helping homeowners and businesses assess, document, and resolve roof damage — often working directly with insurance providers to ensure claims success. Complete Roofing+1

Chad’s journey into roofing began after his service as a U.S. Marine Sergeant and earning a degree in project management. He co-founded Complete Roofing in 2008 with a vision to exceed customer expectations and elevate industry standards. His leadership has guided the company through economic challenges and strong growth, completing thousands of roofs and saving clients millions in repair costs. Roofing Elements Magazine+1

In recognition of his contributions to small business and the construction trades, Chad was named to the National Small Business Association Leadership Council in 2023, advocating for business interests at the national level. Roofing Contractor

Complete Roofing continues to innovate, leveraging drone technology and advanced inspection methods to improve safety, accuracy, and customer experience. Complete Roofing

Richard BurnsJanuary 12, 2026Comment

Complete Roofing Makes FIXR's Top 26 Roofing Companies of 2026

Meet Chad Conley — A Top Roofing Leader for 2026

Serving Metro Atlanta