Storm & Hail Damage Roof Repair
Fast response for storm-damaged roofs. Free inspections, insurance claim assistance, and expert repairs when you need them most.
Storm Damage Roof Repair in Charlotte & Surrounding Areas
The Charlotte metro area experiences 40+ hail events and over 100 severe weather warnings annually. From April through September, severe thunderstorms bring damaging hail, high winds, and heavy rain that can cause significant roof damage.
Types of Storm Damage
Identify the signs of storm damage and understand the urgency level for repairs.
Hail Damage
Signs to Look For:
- Dented or bruised shingles
- Granule loss in gutters
- Cracked or broken shingles
- Dented vents and flashing
Wind Damage
Signs to Look For:
- Missing shingles
- Lifted or curled shingles
- Exposed underlayment
- Debris on roof
Water Damage
Signs to Look For:
- Water stains on ceiling
- Mold or mildew growth
- Sagging roof deck
- Damaged insulation
Structural Damage
Signs to Look For:
- Visible sagging
- Collapsed sections
- Fallen trees or branches
- Major leaks
Filing a Roof Damage Insurance Claim
Follow these steps to maximize your insurance claim and get your roof repaired properly.
Document the Damage
Take photos and videos of all visible damage before making any repairs. Include wide shots and close-ups.
File Your Claim Promptly
Contact your insurance company within 24-48 hours. Most policies have time limits for filing claims.
Get a Professional Inspection
Have a licensed roofing contractor inspect and document all damage. This supports your claim.
Meet with the Adjuster
Be present when the insurance adjuster inspects. Have your contractor's report ready.
Review Your Settlement
Compare the adjuster's findings with your contractor's assessment. You can negotiate or appeal.
Complete Repairs
Use a licensed, insured contractor. Keep all receipts and documentation for your records.
Why Homeowners Trust Us for Storm Damage
Fast Response
24-48 hour response for damage inspections. Emergency tarping available.
Insurance Experts
We work directly with insurance adjusters to maximize your claim.
Licensed & Insured
Fully licensed contractors with comprehensive liability coverage.
Storm Damage FAQs
How do I know if my roof has storm damage?
Look for missing, cracked, or curled shingles; dents in metal components; granules in gutters; and leaks or water stains inside. Hail damage often shows as dark spots or bruises on shingles. When in doubt, get a free professional inspection - damage isn't always visible from the ground.
Should I file an insurance claim for roof damage?
Yes, if damage exceeds your deductible. Most homeowner policies cover storm, hail, and wind damage. File promptly (within 24-48 hours if possible) and document everything. Even if you're unsure about damage extent, an inspection helps determine if a claim is worthwhile.
How long do I have to file a roof damage claim?
Time limits vary by policy and state - typically 1-2 years from the damage date. However, waiting can cause additional damage and weaken your claim. File as soon as possible after discovering storm damage. Some insurers may deny claims for old damage.
Will my insurance cover a full roof replacement?
If storm damage is extensive enough, yes. Insurance covers the cost to restore your roof to pre-damage condition. If damage is widespread or affects the roof's integrity, full replacement may be approved. The adjuster and your contractor's assessments determine coverage.
How much does storm damage roof repair cost?
Minor repairs cost $200-$500, moderate damage runs $1,000-$3,000, and severe damage requiring replacement costs $8,000-$25,000+. If covered by insurance, you typically only pay your deductible ($500-$2,500 for most policies).
Can I repair storm damage myself?
For safety and insurance reasons, professional repair is recommended. DIY repairs can void warranties, lead to improper fixes that worsen damage, and may not be covered if problems persist. Insurance companies also prefer documented professional repairs.
What size hail causes roof damage?
Hail as small as 1 inch (quarter-sized) can damage asphalt shingles. Golf ball-sized hail (1.75 inches) typically causes significant damage. Larger hail can crack tiles, dent metal, and even penetrate roofing materials. Impact-resistant (Class 4) shingles withstand larger hailstones.
How long does storm damage repair take?
Emergency tarping is typically same-day or next-day. Minor repairs take 1-2 days. Major repairs or partial replacement may take 3-5 days. Full roof replacement after storm damage typically takes 1-3 days once materials arrive. Insurance approval can add time to the process.
What should I do while waiting for insurance adjuster?
Document all damage with photos and videos before any repairs. Make temporary repairs only to prevent further damage (tarping, boarding). Save damaged materials for the adjuster to examine. Keep all receipts for emergency repairs. Do not sign contracts until after the adjuster's assessment.
Can I choose my own contractor for insurance repairs?
Yes, you have the right to choose your own licensed contractor regardless of what the insurance company suggests. Many insurance companies have preferred contractor programs, but participation is voluntary. Choose a contractor with storm damage experience and insurance claim expertise.
Get Your Free Storm Damage Inspection
Don't wait - storm damage can worsen quickly. Get a free professional inspection and repair estimate today.
Get My Free Estimate