Hail claims turn on evidence. Was the shingle mat fractured or only the granules disturbed? How many hits per test square does each slope have? Can the damaged shingles be matched, or has the line been discontinued? A roof appraisal answers those questions with documentation an umpire can read.
What we document on a hail roof
- Test squares on every slope. Hits counted and photographed on each directional slope, because a storm’s wind direction changes the damage pattern.
- Collateral damage. Dents in gutters, downspouts, vents, AC fins and window wraps help confirm the storm’s size and date.
- Accurate measurements. Squares, pitch, ridge, hip, valley, eave and rake lengths, so quantities in the estimate match the real roof.
- Repairability. Brittleness, sealant strips and manufacturer guidance on whether spot repairs are realistic.
- Matching. Shingle profile, color and exposure compared against what is still available.
Line items that go missing
Starter strip, drip edge, step and counter flashing, ridge vent, pipe jacks, steep and high-roof charges, a second layer of tear-off, and permit costs are the usual suspects. We also check whether gutters, siding and screens on the same elevation were included.
Metal and specialty roofs
Standing-seam and exposed-fastener metal is common on Arkansas farmhouses, barns and newer homes. Many policies limit coverage for purely cosmetic dents on metal. We read that language first and then document whether the damage affects function, such as seams, fasteners or watertightness.
Frequently asked questions
How soon after a hailstorm should I file?
Report promptly. Policies require timely notice, and older storms are harder to separate from wear or later events.
The adjuster said it’s wear and tear. Is appraisal possible?
If the carrier denies that any covered hail damage exists, that is usually a coverage dispute. If it accepted some damage but not enough, appraisal may fit.
Can appraisal decide matching?
Panels price what it costs to repair the covered damage. How matching applies under your policy can involve coverage questions, so we review the wording first.
Related services
Tornado & Wind Damage Appraisal
From EF-rated tornadoes to straight-line winds, we value structural and finish damage completely.Learn more
Hurricane Remnant & Tropical Storm Claims
Gulf hurricanes can still bring damaging wind and rain to south Arkansas days after landfall.Learn more