Roof Insurance FAQs for Cobb County Homeowners

Your roof is your home’s first line of defense—and it’s often the first place damage happens during storms, hail, or high winds. If you’re a homeowner in Cobb County, it’s important to understand what your homeowners insurance covers when it comes to your roof.

At Hembree Insurance Agency, we’ve answered thousands of roofing questions from clients in Marietta, Kennesaw, Acworth, and beyond. Below are the most common FAQs our team gets about roofs and insurance.

🏠 Frequently Asked Questions About Roof Insurance in Cobb County

1. Does homeowners insurance cover roof replacement in Georgia?

Yes—if the damage is from a covered peril such as hail, wind, falling trees, or fire. However, general wear and tear or poor maintenance is not covered.

💡 Pro Tip: Most Georgia policies exclude cosmetic roof damage (like aesthetic dents in metal), so ask your agent if that’s something you need covered.

2. Is hail damage covered in Cobb County?

Hail is one of the most common roof claims in Georgia—and it’s generally covered. But your coverage may depend on your roof’s age, deductible type, and whether your policy includes cosmetic exclusions.

➡️ If you live in areas like West Cobb, East Cobb, or near Kennesaw Mountain, you may be at higher risk due to past hailstorms.

3. What if my roof is old—will insurance still cover it?

Most carriers in Georgia begin reducing roof coverage around the 15-year mark. Some companies offer Actual Cash Value (ACV) instead of Replacement Cost (RCV) on older roofs, meaning your claim payout could be much lower.

✅ Unfortunately the market has limited us to this 15 year mark.

4. Does my policy cover 1×6 plank decking instead of plywood?

This is where Ordinance or Law coverage comes into play. If your roof has outdated decking (like 1×6 plank instead of OSB or plywood), and code requires updating it during a claim, your policy needs this endorsement to pay for the upgrade.

📌 Many Cobb County homes built before the 1980s have plank decking—we recommend every homeowner add this coverage.

5. How much is my deductible for a roof claim?

In Georgia, you may have:

• A flat deductible (e.g., $1,000), or

• A percentage deductible for wind/hail (e.g., 1% of your home’s dwelling coverage)

Example: On a $400,000 home, a 1% wind/hail deductible = $4,000 out of pocket

👉 Always ask your agent which type you have—some companies allow you to customize this.

6. Will my insurance company pay for partial roof repairs?

If only a small section of your roof is damaged, your insurer may pay for repairs only to that section—unless matching is required by local code or your policy includes matching coverage.

🔍 Some insurance companies cover full replacement if the original shingles can’t be matched. This is especially helpful in subdivisions in East Cobb or Legacy Park where HOAs may require matching shingles.

7. Do I need a roof inspection before getting home insurance?

Many carriers will require an inspection (sometimes via drone or photos) if your roof is older than 15 years. If the roof is in poor condition, the carrier may:

• Decline coverage

• Require replacement

• Apply an ACV endorsement

We help clients navigate these requirements and find the best-fit carrier.

👷 Need a Roof Inspection After a Storm in Cobb County?

We work with reputable, local roofing contractors in Kennesaw, Marietta, and Acworth. If you think your roof has damage, we’ll connect you with a trusted professional and guide you through the claim process.

Check out our Preferred Roof Partner

📝 Get a Roof Insurance Review Today

Not sure if your policy covers what it should? Let us help. We’ll review your current coverage, explain your options, and offer competitive quotes from top-rated carriers like:

• Auto-Owners Insurance

• Nationwide

• Travelers

• Progressive

• Safeco

👉 Click here to get your free home insurance review
📞 Or call us at (770)-565-9900