Can I start drying before the adjuster comes?
Yes. Georgia's insurance commissioner says to make reasonable repairs to prevent further damage and keep receipts (Georgia OCI). It also says to cover a damaged roof with a tarp to prevent more water damage from later rain (Georgia OCI).
General information
This page explains how homeowners insurance generally works, using state insurance regulators' guides. Your policy wording controls. Call your insurer or agent about your claim.
Read the video transcript
Water damage in your Georgia home, and the adjuster has not come yet. Here is what you can do now. Yes, start now. Georgia's insurance commissioner says to make reasonable repairs to prevent further damage, and to keep your receipts. If the roof is damaged, the commissioner says to cover it with a tarp, to prevent more water damage from later rain. Do not throw out damaged property until the adjuster has examined it. The commissioner also says to make an inventory of damaged items. The American Red Cross also says to photograph the damage, and save receipts for temporary repairs. And you choose who does the work. Georgia's insurance commissioner says only the insured can authorize repairs and select the contractor. The full guide, with sources, is at 404waterdamage.com.
What should I not throw away?
Damaged property. The Georgia commissioner advises not to dispose of damaged property until the adjuster has examined it, and to make an inventory of damaged items (Georgia OCI). If wet items must come out for safety, photograph them first and set them aside.
How should I document the damage?
Photograph and video every room before cleanup, including the source. The Red Cross also advises photographing damage and saving receipts for temporary repairs (American Red Cross).
- Wide shots of each room, then close-ups.
- The water line on walls and furniture.
- Serial numbers on damaged appliances.
- The failed part.
Can I choose who does the work?
Yes. Georgia's insurance commissioner says only the insured can authorize repairs and select the contractor (Georgia OCI).
Common questions
What if the adjuster can't come for days?
Keep drying. Waiting can make the damage worse, and policies generally expect you to prevent further damage.
Should I sign anything from the restoration company?
Read it first. Some forms assign your claim benefits to the company. Ask questions before signing.
What if I disagree with the adjuster?
Georgia's insurance commissioner describes the appraisal clause for disputes over the amount of a loss.
Related guides
Sources
- Georgia Office of Insurance and Safety Fire Commissioner: Insurance Before and After a Disaster
- Georgia Office of Insurance and Safety Fire Commissioner: safety tips for severe weather
- American Red Cross: checking your home's structural elements
Last reviewed November 13, 2026. This guide is general information, not legal, insurance or medical advice.