Milton, GA Hail Risk Map — 50 Storms in 10 Years
In April 2024, 1.5-inch hail pounded a Crooked Creek roof, causing $86,000 in damage.
The cedar shakes were only 8 years old, yet the owner paid a $10 000 cosmetic-damage deductible (the 2 % clause).
A Class-4 impact roof would have slashed premiums and waived that deductible. Use the map below to see why Milton sits in Georgia’s hail alley.
2 · 10-Year Claim Stats (Concierge Book + Carrier Filings)
| Roof Material | Average Claim Payout | Average Age at Claim |
|---|---|---|
| 3-Tab Asphalt | $18,600 | 11 yrs |
| Cedar Shake | $44,700 | 14 yrs |
| Class-4 Impact | $9,100 * | 22 yrs |
*Lower claim due to reduced damage; only two Class-4 claims filed in our data set.
3 · Class-4 Roof Savings vs Cost
| Roof Size | Upgrade Cost (shingles + labor) | Premium Credit (annual) | Payback (yrs) |
|---|---|---|---|
| 3,000 sq ft | $12,000 | –8% → ≈ $640/yr | 18.7 |
| 5,000 sq ft | $18,500 | –8% → ≈ $940/yr | 19.6 |
Impact shingles also waive Chubb’s cosmetic-damage deductible and **cut roof-age surcharges**
4 · Cosmetic-Damage Deductible Tips
- Opt for the “cosmetic waiver” endorsement if you choose metal or Class-4 asphalt.
- PURE auto-waives cosmetic deductibles on Class-4 roofs in hail-prone ZIPs.
- Check deductible comparison guide before raising your wind/hail %.
Frequently Asked Questions
Will a Class-4 roof reduce my premium right away?
Yes—credits apply at the next renewal (PURE) or immediately upon carrier proof (Chubb).
What qualifies as Class-4?
Any shingle that passes UL 2218 impact test; Owens Corning Duration Storm is a common choice in Milton.
