Frequently Asked Questions.

Most hail and wind damage to roofs is not visible from the ground. You can’t walk outside after a storm and reliably tell whether your roof took damage by looking up at it. The signs that are visible from the ground, like granules collecting in gutters, dented flashing on the sections you can see, or missing shingles, are reliable indicators, but the absence of those signs doesn’t mean the roof wasn’t hit. A professional inspection from a contractor who actually gets on the roof is the only reliable way to assess post-storm damage. If a big storm has come through your area and you’re not sure whether your home was affected, schedule a free inspection. It costs nothing and gives you a clear answer. See our storm damage page for details.

Most standard homeowners policies cover hail and wind damage to roofs, siding, and gutters when the damage is caused by a covered weather event. Whether your claim is approved and how much it covers depends on your policy terms, your deductible, how well the damage is documented, and how the adjuster assesses the scope. Having a contractor who documents damage thoroughly and talks directly with your adjuster makes a real difference in how a claim settles. See our homeowners insurance claims page for a full walk-through of the process.

We inspect and document the damage first. We photograph every affected area and produce a written damage assessment. Then we file the claim with your insurer, or support you in filing it. We’re present at the adjuster inspection and walk through the damage with the adjuster directly. If the adjuster’s scope comes back lower than warranted, we dispute it on your behalf. Once the claim is approved, we complete the work. You pay your deductible, and insurance covers the rest up to the approved amount.

No. Call us first. We inspect and document the damage before any insurance conversation begins, and that documentation is what the claim is built on. If you call your insurer before having a proper inspection, they may send their own adjuster while you have no independent documentation of the damage, which puts you at a disadvantage.

When an insurance policy pays actual cash value rather than replacement cost value, the first claim payment includes a depreciation deduction. After the work is completed and you provide documentation, the insurance company usually releases the depreciation holdback as a final payment. We walk you through this as part of the claims process and help you collect the full approved settlement.