Insurance adjuster coming for hail damage? Read this before they arrive.
A Montgomery, OH roofer explains how to get insurance to cover a full roof replacement, not just a patch.
The hail storm that hit Montgomery last week left dents and bruises on your roof. The insurance adjuster is coming soon, and you're worried they'll downplay the damage. You need someone on your side who knows how to document storm and hail damage and prove you need a full replacement.
Hail damage on asphalt shingles looks like small dents or dark spots where the granules are missing. These spots can let water in, leading to leaks and rot. Insurance adjusters are trained to look for these signs. They check for bruising, which is a soft spot on the shingle, and broken edges. In Montgomery, storms often bring hail that measures a half inch to over an inch. That's big enough to cause real damage. Even if you can't see it from the ground, a close inspection can reveal a roof that needs full replacement.
A roof replacement is not cheap. The price can range from several thousand to over ten thousand dollars, depending on your home's size and roof pitch. Your insurance policy should cover the cost, minus your deductible. But adjusters often try to minimize payouts. They might say the damage is just cosmetic and offer a few hundred dollars for a patch. That's a mistake. A patch leaves the rest of your roof vulnerable. The next round of storms, which are common along the I-71 corridor, could cause worse leaks. You need a roofer who can document every hail strike and show the adjuster that the damage is structural and covered under your policy.
Before the adjuster arrives, have a local storm damage expert inspect your roof. They can take photos, mark hail hits, and prepare a damage report. This report speaks the adjuster's language. TruRoof has done this for hundreds of homeowners in Montgomery, Blue Ash, and Indian Hill. We know what to look for on homes built in the 1970s through today, which are common in these neighborhoods. Call us to schedule an inspection. We can meet the adjuster at your home and walk them through the damage. That way, nothing gets overlooked.
After the adjuster agrees with the damage assessment, your claim is approved. You can then get a full roof replacement, not just a patch. Your new roof will be installed to handle the next Montgomery hail storm. You won't have to worry about leaks or hidden damage. Your home is protected, and you can put the storm behind you.
What people in Montgomery 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 Montgomery 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 Montgomery and the area around it.