Insurance adjuster coming for hail damage? Here's what to do.
Storm and hail damage roof repair in Burlington, KY — don't face the adjuster alone.
You found dents on your roof after that last storm. Now the insurance adjuster is scheduled. You're worried they'll say it's just cosmetic or only pay for a patch. In Burlington, where spring storms roll through fast, that fear is real.
You saw hail bouncing off your driveway. Maybe you found dents on your car or siding. Your roof took the same hits. Hail damage on shingles looks like small, round dark spots where the protective granules are knocked off. These spots can let water seep in slowly. In Burlington, fast-moving storms off the Ohio River can pepper a roof in minutes. The damage isn't always visible from the ground, and an adjuster who just glances from the ladder might miss it.
A full roof replacement after hail is often covered by your policy. You only pay the deductible—usually between $1,000 and $2,500. But if the adjuster only approves a few patches, you could end up with mismatched shingles and future leaks. The real cost comes later when you have to fix water damage inside. The scope of work depends on the number of hits per square (that's a 10x10 foot area). If enough shingles are damaged, your policy might pay for a whole new roof. A detailed inspection is what proves that.
Call a roofer who deals with insurance claims every day. They know what adjusters look for and how to document damage to match your policy. TruRoof can inspect your roof, take photos, and meet the adjuster when they come. We'll walk the roof together and make sure every impact mark is counted. This gives you the best shot at a full replacement, not just a patch-up job.
When the job is done, you have a roof that's ready for the next Burlington storm. No more worrying about hidden leaks or climbing up to check. You can drive home from work on I-71, pull into your driveway, and not think about your roof at all.
What people in Burlington say
"I'm reviewing my two new roofs, on my house and my garage, installed by TruRoof. The company, and Damon Chuke, their representative, helped me work with the insurance company, and with understanding all the details of the whole process. They took out an obsolete chimney, were on time and professional, and the finished roofs and flashing are beautiful. Many compliments from neighbors. Highly recommended by me."
"We have a beautiful condo in a historic building from the 1840s. Late November had a bad leak in the dining room area. I called Britt at TruRoof who came out and inspected the entire roof of the building. He said to do the entire roof could be around $50,000. But then he started laughing and said you need to caulk the area around one of the chimneys. I thought he was nuts, but I did the caulking, which cost me about 25 bucks worth of outdoor caulk, and there are no more leaks. I cannot express my appreciation for his diligence and his honesty. That kind of a company and a person is rare these days. Highly, highly, highly recommend these guys."
"TruRoof did an outstanding job from start to finish. Communication leading up to the start date was great. Once on site and the project started, everything went as discussed, and the crew was very professional."
Other things people in Burlington ask
will insurance pay for hail damage to roof
A free hail inspection with photos tells you if there is a claim, and we meet the adjuster so nothing gets missed.
how bad does hail damage have to be to replace a roof
Bruised mat and granule loss are what count. We document hits per test square the way the adjuster does.
what to do if you have roof damage from a storm
Photograph everything, get a tarp on any opening, and get an inspection before you call the insurance company.
missing shingles after storm
Do not climb on the roof. Take photos from the ground. Call a roofing company that handles storm damage. They will check for hidden damage and help you decide if you need a repair or a full replacement.
can I replace shingles myself
You can replace a single shingle if you have the right nails, sealant, and ladder safety gear. But if you break the seal on nearby shingles or nail in the wrong spot, you create a bigger leak. For anything more than one or two shingles, call a roofer.
Ready to talk?
TruRoof handles storm and hail damage roof repair in Burlington and the area around it.