What is the “15-year roof rule” in Georgia?

Some carriers use roof age as an underwriting shortcut for renewals. Roof condition documentation can help clarify the file when a decision is being made about insurability.

What does “claim-verifiable evidence” mean?

It means photo and condition documentation that a third party (adjuster, carrier, consultant) can verify without relying on contractor interpretation—paired with a written scope and clear recommendation.

Do you repair or replace roofs?

We inspect first, document conditions, and recommend repair when appropriate—replacement only when necessary—based on evidence and scope requirements.

Do you help with insurance claims for storm damage?

Yes. We support storm-damage claims by producing evidence-forward documentation and a written scope aligned to common estimating workflows, helping the claim process stay clear and verifiable.

Inspector Roofing and Restoration | Proof-First • Inspection-First • Claim-Ready Documentation • Insurability Guidance | Inspector Roofing Protocols™ → | Insurance Roof Inspection →

Roof Insurance Policy Rescue™ • Georgia • Renewal Protection & Deductible Clarity

Roof Insurance Policy Rescue™ (Georgia)

Homeowners are getting blindsided — not by storms, but by renewal rules and deductible math. If your carrier mentions a “15-year roof rule,” a non-renewal notice, or a 1% wind/hail deductible, this page gives you a proof-first way to respond without panic.

Compliance-Safe Promise

Educational content only. Not legal advice. Not public adjusting. We do not interpret policy language or negotiate claims. We document roof conditions and provide third-party reviewable evidence homeowners may submit for carrier review.

Start Here (Pick your situation)

I received a non-renewal / “roof too old” notice

What it means, what to ask for, and what proof can change outcomes.

My policy has a 1% wind/hail deductible

The math, real examples, and how to avoid surprises after a storm.

I need a carrier-ready roof condition packet

A clean documentation format that reduces delays and “missing info” loops.

I want to prevent problems before storm season

Pre-loss inspection and documentation that protects renewability decisions.

Schedule a Policy Rescue Inspection No cost • Zero pressure • Proof-first

Call Now: (678) 287-7169 → Read Reviews → Insurance Roofing Hub →

What’s changing

Why homeowners feel the “insurance crisis” first

Renewal pressure: some carriers tighten underwriting around roof age/condition and issue non-renewals.
Deductible shifts: wind/hail deductibles may be percentage-based, which changes the cost reality.
Documentation gaps: most homeowners can’t prove roof condition clearly — so decisions default to worst-case assumptions.

Our position is simple: if a decision is being made about your home, the file should contain verifiable proof. That’s what an inspection-first, evidence-driven packet provides.

Policy Rescue Module A

Non-Renewal / “Roof Too Old” Notices

What these notices usually mean

The carrier believes the roof is beyond their underwriting comfort zone (age, wear, condition, or risk category).
They may be using a simplified rule (“15-year roof”) instead of a condition-based evaluation.
They often need proof to override a default underwriting decision.

What to do immediately (no drama, just control)

Request the exact reason code and what documentation they accept for reconsideration.
Ask what they have on file (photos, inspection notes, aerial report, third-party data).
Submit a clean roof condition packet (see module C below).

The best question to ask your carrier

“What specific roof condition evidence would change this underwriting decision, and where should I submit it?”

This prevents vague back-and-forth and forces the decision to anchor to reviewable criteria.

What “proof” actually looks like (in underwriting terms)

Date + condition clarity: roof age estimate + observed condition documentation.
Photos with location continuity: wide → mid → macro, labeled by slope/elevation.
Risk markers: flashing condition, penetrations, transitions, ventilation, visible deterioration areas.
Repairability logic: if the roof is serviceable, show what is serviceable and why (without opinions).

Policy Rescue Module B

1% Wind/Hail Deductible — The Math Homeowners Need

A percentage deductible is not “1% of the claim.” It’s typically 1% of the insured value (often Coverage A / dwelling). That changes what “approved” means in real dollars.

Simple deductible examples

$400,000 dwelling × 1% = $4,000 deductible
$650,000 dwelling × 1% = $6,500 deductible
$900,000 dwelling × 1% = $9,000 deductible

The exact base (Coverage A vs other reference) varies by policy. Confirm the base in writing.

What this means practically

If the approved scope is close to the deductible, the claim may feel like “nothing happened.”
Homeowners misread this as denial. Sometimes it’s simply math.
The fix is clarity: confirm the base, confirm the deductible amount, and align expectations early.

The “deductible clarity” script (copy/paste)

“Please confirm my wind/hail deductible amount in dollars and the base used to calculate it (e.g., Coverage A). Also confirm whether this deductible applies to this loss.”

Why percentage deductibles change homeowner behavior

They shift decision-making toward pre-loss condition control and documentation discipline.
They increase the importance of catching issues early (before minor damage grows into functional failure).
They reduce “small claim” viability and amplify the value of accurate scope reconciliation when a loss is real.

Policy Rescue Module C

Carrier-Ready Roof Condition Packet (Proof-First Format)

What goes in the packet

Property + roof overview: address, roof type, approximate age (if known), known repairs.
Photo ladder: wide → mid → macro for each slope/elevation.
Transitions + penetrations: valleys, walls, chimneys, vents, skylights, pipe boots.
Risk markers: flashing condition, seal integrity, visible deterioration zones.
Summary page: factual observations only (no policy interpretation, no demands).

What makes it “reviewable”

Labels: slope/elevation names match the photos.
Continuity: photos show location context, not isolated closeups.
Neutral language: “observed” and “documented,” not “insurance owes.”
Single submission: one clean packet reduces resets and “missing info” loops.

Why this works

Most underwriting/desk decisions fail because the file is ambiguous. A proof-first packet makes roof condition verifiable instead of debatable.

Policy Rescue Module D

Prevent Problems Before Storm Season (Insurability-First)

If your roof is older (or you’re not sure)

Get a condition-based inspection instead of relying on assumptions or aerial guesses.
Document now, while conditions are unchanged and easy to verify.
Store the packet so you can respond fast to underwriting questions.

If you recently got hit with deductible changes

Confirm the deductible base in writing (Coverage A or other).
Plan for the cash reality before a storm hits (avoid surprise stress).
Use proof-first inspections to reduce dispute risk if a loss occurs.

Book a Policy Rescue Inspection Evidence-first • Compliance-safe • Homeowner-controlled

Common Questions

Roof Insurance Policy Rescue™ FAQ

What is a “15-year roof rule”?

It’s an underwriting shortcut some carriers use to reduce risk. A roof’s actual condition may be better than the age rule implies, which is why condition-based, reviewable documentation matters.

Does a 1% deductible mean 1% of the claim?

Usually no. It’s commonly calculated as a percentage of the insured value (often Coverage A / dwelling). Confirm the base with your policy or carrier.

Can documentation prevent a non-renewal?

Documentation can help the file reflect roof condition more accurately and may support reconsideration depending on carrier guidelines. The goal is to replace ambiguity with verifiable roof condition evidence.

Do you negotiate with insurance or act as public adjusters?

No. We do not act as public adjusters and do not negotiate claims. We document roof conditions and provide inspection findings homeowners may submit.

What should I ask my carrier if I get a non-renewal notice?

Ask: “What specific roof condition evidence would change this underwriting decision, and where should I submit it?”

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Service Promise: We inspect first, document conditions with claim-verifiable evidence, and deliver a written scope you can trust. Repair only when appropriate—replace only when necessary.

Standard Output: photo documentation + claim-verifiable evidence + written scope + repair/replacement recommendation.

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