Storm Damage Insurance Claim Checklist for Georgia Homeowners
Use this checklist to document your storm loss, avoid claim mistakes, and get full coverage.
The 10-step checklist
Immediately: safety first. Prevent further damage - tarp roof, board windows, extract water. Save receipts. Document everything - wide shots, close-ups, interior water intrusion, damaged contents.
Within 24-48 hours: call insurer for claim number. Get a real inspection from a licensed local contractor. Get a written Xactimate estimate.
Within 30 days: meet the adjuster on-site with your contractor. Compare estimates. Negotiate scope, not price.
After repairs: final walkthrough with punch list closed.
Common mistakes
Signing an AOB with a storm-chaser roofer. Accepting the adjuster's first estimate without a competing bid. Waiting more than 30 days. Cleaning up before documenting. Hiring an out-of-state contractor. Not asking about Ordinance and Law coverage.
Coverage most homeowners forget
Damaged fencing. Landscaping and trees. Detached structures (Coverage B). Debris removal. Loss of Use if displaced. Ordinance and Law for code upgrades.