How We Document Your Claim
When storm damage hits, an insurance claim succeeds on documentation.
We prepare a complete claim file with detailed roof estimate, photographs, and Xactimate scope documentation—the industry standard adjusters use.
This helps your adjuster identify wind damage, hail damage, and failures they might miss.
Our roof inspection process covers every surface. We assess shingles (asphalt shingle, architectural shingle, three-tab shingle), underlayment, flashing, valley performance, and the ridge cap.
We photograph granule loss, missing shingles, and torn membranes for your proof of loss file.
For larger roofing systems—commercial roofing or complex residential roofing with dormers—we capture drone photo packages that show pattern damage, strengthening your claim narrative.
What Insurance Covers—And Depreciation vs. Replacement Cost
Your insurance policy covers wind damage and hail damage, but your deductible affects your cost. We explain what your policy coverage includes.
Some policies exclude wood shake roofing or slate roofing. Others don't cover ice dam damage.
Replacement cost pays for a new roof at today's prices. Depreciation reduces that based on age and condition.
If your roof is five years old, your insurer may offer less. We document why replacement is necessary, not repair, pushing for full replacement cost settlement.
The Supplement Process & Your Second Paycheck
Insurance often underpays initially. Supplements recover additional funds when tear-off reveals hidden damage.
We document rot in the roof deck, decay in the underlayment, and water damage beneath shingles.
Your adjuster re-inspects and approves, converting additional damage into recovery dollars.
Phoenix Storm Seasons & Roof Vulnerability
Phoenix monsoons bring hail damage June through September. Spring wind storms stress roofing across Arcadia, Ahwatukee Foothills, Encanto-Palmcroft, and the county.
We inspect for wind uplift damage to ridge caps, lifted flashing, and missing shingles. Older asphalt shingle or wood shake fails fastest.
Heat speeds degradation. 100-plus-degree days oxidize asphalt and dry underlayment, making tiles brittle. Storm damage to an already-stressed roof demands replacement, not repair.
Roofing Materials & Coverage Gaps
Asphalt shingle roofing handles wind but fails under hail. Architectural shingle offers better impact resistance; three-tab shingle cracks easily.
Wood shake and slate are expensive to replace, often justifying full replacement instead of repair.
For commercial roofing—flat roofing with TPO membrane, EPDM, and PVC membrane systems—hail punctures are common. Built-up roof systems resist hail but suffer UV damage.
Metal roofing (standing-seam panels, corrugated panels) dents under hail but doesn't leak from impact alone.
Your insurance policy may exclude certain materials or require higher deductibles for older roofing. We review your policy and compare it to what your adjuster finds.
Timeline & Your Next Steps
After storm damage, your first step is calling your insurer and filing an insurance claim. Don't attempt mitigation yet—your adjuster must photograph damage first.
Temporary mitigation (tarping with a tarp) is covered by insurance and documented in your claim file.
Your adjuster typically inspects within 5-10 days. We coordinate our roof inspection with theirs, presenting damage documentation simultaneously.
Most claims are settled within 30 days of that inspection, though weather delays happen.
During tear-off of the damaged roofing, we identify hidden damage—rot in the substrate, decay in the roof deck, damaged flashings, compromised underlayment.
These findings become your supplement request, usually approved within 7-14 days.