Hail Damage Roof Repair

✅ Direct Answer: What to Do After Hail Damage

Follow these steps in the first 24 hours after hail:

1. Document - Photograph ground-level hail, cars, gutters with timestamps
2. Prevent water - Check attic for leaks, use temporary tarp if needed
3. Call inspection - Schedule same-day claim-ready inspection
4. File claim - If damage confirmed, start insurance claim process

Types of Storm Damage We Repair

Top Guys Roofing specializes in storm damage assessment and repair nationwide. Our certified inspectors document damage thoroughly for insurance claims and restore your roof to pre-storm condition.

✅ Insurance Claim Timeline

1. Inspection → 24 hrs - Professional assessment and damage documentation
2. Adjuster visit → 2–7 days - Insurance adjuster reviews damage on-site
3. Approval → 3–14 days - Claim review and approval process
4. Replacement → next available slot - Scheduling and completion of repairs

Our Storm Damage Process

1. Emergency Protection

If your roof has immediate damage that exposes your home to further water intrusion, we provide emergency tarping within hours. This protects your home from additional damage while we prepare for permanent repairs.

2. Comprehensive Inspection

Our certified inspectors conduct a thorough roof inspection, documenting all storm damage with detailed photos and measurements. We check every aspect of your roof system including shingles, flashing, gutters, and ventilation.

3. Insurance Documentation

We provide you with a detailed report including photos, measurements, and repair recommendations. This documentation is prepared specifically for insurance claims and meets all carrier requirements.

4. Adjuster Meeting

We meet with your insurance adjuster on-site to review all damage. Our experience working with insurance companies ensures nothing is overlooked and you receive fair compensation for all necessary repairs.

5. Professional Restoration

Once your claim is approved, our experienced crews complete all repairs to manufacturer specifications. We use premium materials and industry best practices to restore your roof to pre-storm condition.

Insurance Claims Assistance

Dealing with insurance companies can be overwhelming after storm damage. Top Guys Roofing handles the entire claims process:

Your Deductible

Most homeowners insurance policies require you to pay a deductible (typically $500-$2,500). The insurance company pays for all approved damage repairs beyond the deductible amount. We'll help you understand your coverage and what to expect.

Claim Denials

If your claim is initially denied, don't give up. We can help you understand the denial reasons and prepare supplemental documentation. Many denied claims are approved upon review with proper documentation.

✅ Hail Damage Severity Chart

Recognizing Storm Damage

Hail Damage Signs:

• Bruising or dents in shingles (dark spots where granules are missing)
• Cracked or split shingles
• Exposed fiberglass mat
• Dents in metal flashing, gutters, or vents
• Damaged or cracked window screens

Wind Damage Signs:

• Missing shingles or tiles
• Lifted or curled shingle edges
• Torn or creased shingles
• Exposed underlayment
• Damaged or missing ridge caps

Tree Damage Signs:

• Obvious punctures or holes in roof
• Crushed or broken shingles
• Damaged decking (visible sagging)
• Scratches or scrapes from branches
• Debris buildup in valleys

Time Limits for Filing Claims

Important: Most insurance policies require you to file claims within one year of the storm date. Some companies have shorter deadlines. Don't delay—contact us immediately after a major storm to document damage while evidence is fresh.

✅ 24-Hour Emergency Actions

• Install tarp - Immediate protection from water intrusion
• Stop active leaks - Temporary repairs to prevent further damage
• Call a licensed roofer - Professional assessment within 24 hours
• Document everything - Photos, videos, and written notes for insurance

Emergency services are typically covered by insurance. Call our 24/7 hotline: 4697907579

Emergency Storm Damage Services

When severe weather strikes, we're ready 24/7/365 to protect your home:

• Emergency Tarping: Rapid response to prevent further water damage
• Temporary Repairs: Immediate fixes to secure your property
• Interior Protection: Assistance moving valuables and containing water
• Board-Up Services: Securing damaged openings
• 24/7 Availability: We answer the phone day or night during storm season

Storm Damage vs. Wear and Tear

Insurance companies only cover sudden storm damage, not gradual wear and tear. Our experienced inspectors know the difference and can identify storm-related damage that insurers will cover:

Why Choose Top Guys Roofing for Storm Damage?

Insurance Claims Experts

We've successfully handled thousands of storm damage claims nationwide. We know what insurance companies require and ensure all damage is properly documented and approved.

Fast Emergency Response

Our 24/7 emergency teams respond within hours to protect your home from further damage. We understand that after a storm, time is critical.

No Out-of-Pocket Costs

In most cases, your insurance covers all approved repairs minus your deductible. We work within insurance guidelines and never inflate claims—just honest documentation of actual damage.

Quality Restoration

We don't just patch damage—we restore your roof to pre-storm condition using premium materials and manufacturer-approved techniques. All work is backed by warranties.

Nationwide Network

With certified local partners in 50+ states, we respond to storm damage wherever you are. Our national network ensures consistent quality and professional service.

✅ FAQs

What should I do immediately after hail damage?

Short answer: Photograph damage, check gutters/siding, request free inspection, file insurance claim if damage found.

Document all visible damage with photos and videos. Check gutters, siding, and vents for dents or cracks. Request a professional inspection within 24 hours. If damage is found, file an insurance claim promptly.

Will filing a claim raise my insurance rates?

Short answer: Storm damage claims typically don't increase rates as they're considered "acts of God."

However, policies vary—check with your insurance agent. Don't let rate concerns prevent necessary repairs.

What if my roof is old?

Short answer: Age doesn't disqualify storm damage claims.

If a storm damages your roof, it should be covered regardless of age. Some older roofs may have Actual Cash Value policies with depreciation—we'll help you understand your coverage.

Do you charge for inspections?

Short answer: Storm damage inspections are completely free.

We provide detailed documentation whether or not you choose us for repairs. There's no obligation and no pressure.

How long do repairs take?

Short answer: Emergency tarping within hours, full repairs 1-3 days after claim approval.

Emergency tarping happens within hours. Full repairs typically take 1-3 days once materials arrive and your claim is approved. We work efficiently to restore your protection quickly.

What if the insurance settlement seems low?

Short answer: We can help file a supplement claim for missed or underpaid damage.

We review all estimates and can help you file a supplement claim if the adjuster missed damage or underestimated repair costs. Our experience ensures you receive fair compensation.

Can I choose my own roofing contractor?

Short answer: Yes, you have the right to choose your contractor.

Insurance companies may suggest contractors, but the choice is always yours. We work with all major insurance carriers and meet their requirements.

How do I know if hail damage is severe enough for replacement?

Short answer: 1.5" or larger hail typically requires replacement; professional inspection determines severity.

Hail 1.5" or larger often causes deck damage requiring full replacement. Smaller hail may only need repairs. A professional inspection will determine the extent of damage and recommend repair vs. replacement.

What's the deadline to file an insurance claim?

Short answer: Most policies require claims within 1 year of storm date.

Some companies have shorter deadlines. Don't delay—contact us immediately after a major storm to document damage while evidence is fresh.