Hail Damage
Hail damage claim help — partial roofs, matching disputes, and appraisal.
"A few damaged shingles" is the most common carrier response to a legitimate hail claim. Appraisal panels, matching regulations, and slope-by-slope documentation regularly turn partial approvals into full-roof replacements — when the file is built the right way.
Common hail claim disputes
- Partial-roof approvals ('we'll only pay for the north slope').
- 'Wear and tear' or 'pre-existing damage' denials without proof.
- Missed collateral damage — gutters, downspouts, HVAC condenser fins, screens, soft metals, windows.
- Matching disputes when discontinued shingle lines cannot be blended.
- R&R vs. R&R with code-upgrade (ice-and-water, drip edge, decking).
How we document a hail loss
- Slope-by-slope inspection with 10×10 test squares per elevation.
- NOAA / HailTrace correlation for date, stone size, and swath.
- Full collateral damage photo grid (soft metals, HVAC, windows).
- Matching statute or bulletin analysis for your state.
- Xactimate scope with code-upgrade line items.
- Appraisal invocation on amount-of-loss disputes.
Partial roof approval you don't agree with?
Send us your carrier estimate and the roof inspection photos.