Storm and lightning
Fallen trees, power surges, ice dams and severe weather.
Public adjuster for wind, hail and roof claims
Wind, hail and roof damage claims, built from measurements.
Hail and wind damage is easy to undercount from the ground. We document the roof slope by slope, measure every side of the building and price the repair the way it will actually be built.
What the claim covers
What a roof claim can include.
A storm rarely damages only the roof. We look at every surface the wind and hail could reach.
- Roof covering. Shingles, tile or metal, plus underlayment, flashing, vents and ridge.
- Siding and trim. Dents, cracks and holes on each side of the building.
- Gutters and downspouts. Dents and separations from hail and wind.
- Windows, screens and doors. Cracked glass, torn screens and damaged frames.
- Interior damage. Ceilings, insulation and walls where water came in.
- Fences, sheds and other structures. Usually covered under a separate part of the policy.
What often gets missed
Where roof claims come up short.
Damage on every slope
An estimate may approve one or two slopes. We document all of them so the whole roof is considered.
Code and installation items
Current building codes and manufacturer instructions can require items the old roof did not have. Your policy decides how they are paid.
Soft metals and outdoor items
Dents on vents, gutters and air conditioner fins help show hail size and direction, and they belong in the claim too.
Roof payment schedules
Some policies pay roofs at actual cash value or on a schedule based on age. We read that language before the claim is filed.
What to do now
Stop the leaks and record the storm.
- Cover openings or damaged areas with a tarp to keep water out, and keep the receipts.
- Note the date and time of the storm. Photograph hail on the ground, dented gutters and damaged outdoor items.
- Take your time before signing any repair contract. You choose your own contractor.
- Call us before the carrier's inspection if you can, so someone on your side documents the damage too.
How we help with roof claims
As your public adjuster, we inspect and photograph every slope and elevation, use measurement reports when the job needs them and build the scope in Xactimate. Then we present the claim and negotiate it for you, including repair versus replacement.
- Slope-by-slope roof inspection and photos
- Measurement reports when needed
- A line-item Xactimate roof and exterior scope
- Negotiation with the carrier through settlement
Related claims
Other claims we handle.
Water and flood
Burst pipes, appliance leaks, sewer backup and hidden moisture.
Denied or underpaid
Second opinions on denials, low estimates and supplemental claims.
We handle these claims as a licensed public adjuster in Idaho and Arizona. See our fees, read the common questions or look at all the ways we can help.
Get your free claim review.
Tell us what happened. One of our qualified staff will call you back within 1 business day to talk through your options. No obligation.