Georgia roofing supplement law (2026)
Georgia has no statutory matching law. Carriers are not required to match shingles on partial repairs unless the policy explicitly includes a matching endorsement.
Georgia has no statutory matching law. Carriers are not required to match shingles on partial repairs unless the policy explicitly includes a matching endorsement.
Both available. Wind/hail deductibles common in coastal counties (1–5%).
Recoverable depreciation released on completion. No statutory deadline.
6 years from date of loss for written contracts under O.C.G.A. §9-3-24.
Public adjusters licensed by Georgia Office of Insurance and Safety Fire Commissioner.
Georgia adopts the 2018 IRC with state amendments. Carriers must pay code-mandated upgrades when policy includes Ordinance & Law.
Top carriers in Georgia
- State Farm
- Allstate
- USAA
- Travelers
- Auto-Owners
Auto-Owners (regional) typically pays supplements quickly. State Farm largest market share.
Pro tips
- Georgia hail season: March–May. Coastal hurricane exposure July–October.
- Without a matching law, carefully document why partial repair is unworkable (slope visibility, shingle discontinuation, etc.).
Frequently asked questions
Does Georgia require roof matching?
No. Georgia has no statutory matching requirement. Match claims rely on policy language, shingle availability, and visibility documentation.
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