Storm & hail damage

Documented inspections, honest answers about what is covered, and someone who meets your adjuster on the roof.

After a hailstorm, most homeowners look up from the driveway, see nothing obviously wrong, and assume they got away with it. Hail damage rarely looks like damage from sixty feet below.

What hail actually does

A hailstone does not usually punch a hole. It bruises — it fractures the mat underneath the surface and knocks the protective granules loose. The shingle looks broadly intact and its service life has just been cut substantially. Six months later the exposed asphalt starts to fail, and by then the claim window may well have closed.

What we do about it

Walk the roof properly and test-square each slope, marking hits so the density can be counted rather than eyeballed.
Photograph everything, dated, including the soft metals — gutters, vents and flashing bruise visibly and corroborate the roof.
Write it up in a report you keep, whether or not you file.
Meet your adjuster on site and walk the roof with them, so the scope reflects your roof rather than a template.
Tell you when there is no claim. Plenty of storms do not cause covered damage. We will say so.

Wind damage

Wind is the other half of storm work

Hail gets the attention, but wind causes as many claims — and it is easier to see from the ground.

Lifted seals

Wind breaks the adhesive strip that holds each shingle to the one below. The shingle looks fine and is no longer sealed down; the next storm takes it.

Creased shingles

A shingle folded back by wind and laid flat again carries a crease across it. That crease is a failure line, whether or not it has leaked yet.

Missing shingles & ridge cap

Obvious from the ground, and the most urgent — exposed deck takes water immediately.

Debris impact

Branches and airborne debris puncture and gouge. Often covered, and worth documenting even if it looks minor.

The claim

How the process actually runs

Free storm inspection

We walk and document the roof and the soft metals, and give you a written report with dated photographs.

You decide whether to file

We give you our honest read on whether there is a claim. Filing is your call and your conversation with your insurer.

Adjuster visit

Your carrier sends an adjuster. We meet them on site and walk the roof with them so nothing is assessed from the ground.

Scope agreed, work scheduled

Once your carrier settles the scope, we schedule the work and complete it to the agreed specification.

Storm damage

Questions about storm claims

How long do I have to file after a storm?

It varies by carrier and by state, and it is usually measured in months rather than years. Check your policy. The practical answer is that documenting it early is always better, because proving when damage happened gets harder over time.

Will filing a claim raise my premium?

Storm claims are generally treated differently from at-fault claims, but carriers vary and we are not insurance agents. Ask yours directly before you file. We would rather you got a straight answer from them than a guess from us.

What if my claim is denied?

You can request a re-inspection, and your policy will set out how disputes are handled. We will give you the documentation we gathered so you have something concrete to work from. We cannot appeal on your behalf.

Do you handle the claim for me?

No. We inspect, document, meet your adjuster on site, and do the work. Filing and negotiating the claim is between you and your insurer — in many states, doing that on your behalf requires a public adjuster's license that a roofing contractor does not hold.

A door-knocker said my roof is totaled. Should I believe them?

Get a second opinion, from someone local you can find again in a year. Storm-chasing crews follow weather across state lines, sell aggressively, and are gone by the time a warranty claim comes up. Ask anyone quoting you how long they have worked in this county, and whether the price they are giving you still stands next month. Ours stands for twelve.

Is my deductible negotiable?

No — and be careful of anyone who suggests otherwise. Your deductible is set by your policy, and a contractor offering to cover, waive or absorb it is proposing insurance fraud. It is illegal in most states and puts your claim at risk, not just theirs.

Also from us

The rest of what we do

Get a documented storm inspection

Free, thorough, and yours to keep — whether you file a claim or not.

Get a free inspection Call (609) 975-9763

Fully licensed, bonded and insured · Free inspections · Quotes valid 12 months