How do roofing estimates work in Georgia?
Short answer. A Georgia roofing estimate should start with an inspection and measurement, then arrive as a written, itemized quote with products, scope and warranty terms. If insurance is involved, the carrier writes its own estimate, often in Xactimate, and a good roofer compares it line by line with the real scope rather than asking you to sign over your claim.
The normal sequence
- Inspection: on the roof and in the attic, with photos.
- Measurement: by hand, drone, or an aerial report.
- Written estimate: squares, pitch, products, underlayment, flashing, ventilation, decking price per sheet, permit, disposal, warranty.
- Review: the roofer walks you through it and answers questions without pressure.
When insurance is involved
Your insurer sends an adjuster who writes the carrier's estimate, commonly in Xactimate, the pricing software most carriers use. Your roofer's estimate and the carrier's should describe the same roof. If the carrier missed items like drip edge, steep charges or code required work, the roofer can document them and request a supplement. For more, see Xactimate roof estimates explained.
Georgia specific cautions
- An estimate that promises to cover your deductible is illegal.
- Be careful with "free estimate" forms that are really contingency agreements; read before signing. Georgia lets you cancel an insurance dependent contract if the claim is denied.
- Within one year of a declared disaster, a contractor cannot take an assignment of your insurance proceeds.
How long an estimate is good
Many quotes are valid for 30 to 60 days because material prices change. Ask for the expiration date in writing. To compare multiple estimates fairly, see how roofers measure a roof and how to choose a roofing contractor in Georgia.