Insurance Claim Roofing
Seattle & Greater Area

Hail damage on shingles appears as soft spots or bruising — similar to a dent in fruit. You'll see circular areas where granules have been knocked off, exposing the asphalt mat underneath. Wind damage shows as cracked, lifted, or missing shingles, and damaged flashing. Many homeowners can't identify hail damage from the ground — we do a free close inspection after any significant storm event.

Storm damage claims (hail, wind, falling objects) are typically treated as "Acts of God" claims and have less impact on premiums than at-fault claims. However, this varies by carrier and policy. We recommend calling your insurance agent before filing to understand the impact on your specific policy. The inspection is free and no-obligation — you decide whether to file.

ACV (Actual Cash Value) pays replacement cost minus depreciation based on your roof's age. RCV (Replacement Cost Value) pays the full cost to replace with like-kind materials. RCV policies typically pay in two checks: the ACV upfront, then the depreciation holdback when repairs are complete. Check your policy's "Loss Settlement" section, or we can help you read it during the estimate.

This is common. Initial adjustments often miss code upgrade requirements, proper underlayment specifications, or matching material requirements. We supplement the claim by submitting line-by-line documentation for missed items — with photos and industry pricing data. Most supplements are approved. You have the right to dispute the scope under your policy, and we help you do that professionally.

Washington State policies typically require you to file "promptly" or within 1 year of the loss — but check your specific policy. Don't wait. Hail damage that isn't addressed allows water infiltration that voids the claim for subsequent interior damage. Call us for a free inspection after any significant storm — we'll tell you what we see and what your options are.