If your home or business was hit by the June 26–27, 2025 hailstorm that swept through Metro Atlanta, there is something you need to know right now: the standard 12-month claim deadline passed on June 26–27, 2026 — but depending on your policy, you may still be able to file.

Most homeowner and commercial property insurance policies allow only 12 months from the date of a storm to file a damage claim. For thousands of Atlanta property owners who never filed, that window has closed. But some policies — particularly certain commercial and newer homeowner policies — allow 24 months, which runs through June 2027.

At Mosaic Roofing, we are already seeing homeowners and business owners who had no idea time was running out. Some assumed their roof was fine. Others meant to get it checked but never did. A few were told by a previous contractor there was no damage — but there was.

If you haven't had a professional roof inspection since the June 2025 storm, do not wait another day.

What Happened on June 26–27, 2025.

On June 26 and 27, 2025, a severe hailstorm system moved through Metro Atlanta causing widespread damage across residential and commercial properties. Areas including Marietta, Sandy Springs, Buckhead, Decatur, Alpharetta, Smyrna, Dunwoody, Brookhaven, and Kennesaw reported significant hail activity.

What made this storm particularly damaging was not just the size of the hail — it was the speed and angle at which it struck roofing materials. Asphalt shingles, metal panels, flat commercial roofing systems, gutters, skylights, and HVAC units across the region sustained impacts that are not visible from the ground but are absolutely detectable by a trained roofing inspector.

Many property owners looked up at their roof from the driveway, saw nothing obvious, and moved on. That is exactly what insurance companies count on.

Why Hail Damage Is So Easy to Miss.

This is one of the most important things we tell every homeowner we meet: hail damage is almost never visible from the ground.

What inspectors look for are small circular impact marks — called hail strikes — on the surface of your shingles. Each strike knocks away a portion of the protective granule coating. That granule layer is what protects the underlying asphalt from UV rays, moisture, and heat. Once compromised, the shingle begins to deteriorate rapidly.

From the street your roof can look perfectly normal. From 18 inches away on top of that roof, a trained inspector can count dozens of hail strikes per square foot.

On commercial flat roofing systems like TPO and EPDM, hail causes membrane bruising and punctures that allow water infiltration long before you ever see a leak inside your building.

Here is what to look for — or better yet, call us and we will look for you at no charge:

Circular dents or impact marks on shingles, metal flashing, gutters, or vents
Granule loss — check your gutters for dark sandy material
Soft spots or bruising on asphalt shingles
Cracked or split shingles especially along ridges and edges
Damaged skylights, AC units, or roof vents

Understanding Your Insurance Claim Deadline.

Most standard homeowner insurance policies in Georgia require you to file a storm damage claim within 12 months of the date the damage occurred. For the June 26–27, 2025 hailstorm, that standard deadline fell on June 26–27, 2026 — it has now passed.

However, some policies — particularly certain commercial and newer homeowner policies — allow 24 months to file, which would run your window through June 26–27, 2027. The longer you wait, the harder it becomes to prove the damage was caused by the storm and not by subsequent wear — so if you never filed, act now.

If your filing window has closed, your insurance company is legally entitled to deny your claim entirely — regardless of how significant your damage is. The only date that counts is the one written in your policy — which is exactly why it's worth checking before you assume you're out of options.

To check your deadline: pull out your insurance policy and look for the section titled "Duties After Loss." It will state your filing deadline clearly. If you cannot find it, call your insurance agent and ask directly: "Does my policy allow 24 months to file a storm damage claim for the June 2025 hailstorm?"

Then call us.

What You Are Responsible For — and What Your Insurance Covers.

Your insurance covers the full cost of repairing or replacing your damaged roof based on your policy terms — materials, labor, tear-off, and installation.

You are responsible for your deductible. That amount is clearly stated in your policy. By law, your deductible must be paid. Any contractor who tells you they will waive your deductible is offering an illegal arrangement that could jeopardize your claim.

We will always tell you exactly what your deductible is and what to expect before any work begins. No surprises.

How Mosaic Roofing Handles Your Entire Claim.

As a GAF Certified Contractor with 20+ years of experience and over 104 five-star Google reviews, Mosaic Roofing has handled hundreds of insurance claims across Metro Atlanta. Here is exactly what we do:

Step 1 — Free Roof Inspection. We come to your home or business, climb on your roof, and perform a thorough hail and storm damage assessment. We photograph and document every impact, every damaged area, every affected component. This inspection costs you nothing and takes approximately 30 minutes.
Step 2 — Damage Documentation and Adjuster Meeting. We prepare a complete damage report and we are there when your insurance adjuster arrives. Insurance adjusters work for your insurance company. Our job is to make sure every single damaged item is captured in your claim scope. Items missed during the initial adjuster visit get supplemented in writing. We do not leave money on the table.
Step 3 — Claim Approval and Full Roof Replacement. Once your claim is approved, we schedule your roof replacement at a time that works for you. Most residential jobs are completed in a single day. We use GAF-certified materials backed by some of the strongest manufacturer warranties in the roofing industry. You pay your deductible. We handle everything else.

Why Atlanta Homeowners Choose Mosaic Roofing.

We are not a storm-chasing company that appeared after the June 2025 storm and will disappear once claim season ends. Mosaic Roofing has been serving Metro Atlanta for over 20 years. We live here. We work here. Our reputation in this community means everything to us.

We are GAF Certified. We are A+ rated with the BBB. We are fully licensed and insured in the state of Georgia. And we have over 104 five-star Google reviews from real Atlanta homeowners and property managers who trusted us with their homes and businesses.

Areas We Are Currently Inspecting.

Atlanta · Buckhead · Marietta · Sandy Springs · Alpharetta · Roswell · Decatur · Brookhaven · Smyrna · Dunwoody · Johns Creek · Kennesaw · Chamblee · Norcross · Mableton · Peachtree City · Woodstock · Lawrenceville

The Bottom Line.

The June 26–27, 2025 hailstorm caused real damage to thousands of Atlanta roofs. Most of that damage is invisible from the ground. Most homeowners and business owners have not had a professional inspection. The standard 12-month filing deadline has passed — but if your policy allows 24 months, you still have until June 2027 to file.

A free inspection takes 30 minutes. It costs you nothing. And it could be worth tens of thousands of dollars.

Call Mosaic Roofing today at (404) 260-3168 or book your free inspection online.

Do not let your deadline expire. Do not leave money on the table. Let us take it from here.

June 2025 Atlanta Hailstorm: The Standard Claim Deadline Has Passed — Here's What That Means