What to do in the first 48 hours
- Make it safe and stop the water. Move inventory and equipment, put down containment, and call us for emergency tarping if water is coming in. Do not climb a storm-damaged roof yourself.
- Photograph everything from the ground and inside. Interior stains, fallen debris, damaged equipment, the date and time.
- Get a documented roof inspection. Much hail damage is invisible from the ground, and on EPDM it is hard to see even up close. Photos and a written scope are what a claim runs on.
- Report the claim promptly. Carriers can and do deny late claims, and most policies carry deadlines tied to the date of loss.
- Keep your receipts for emergency mitigation — that spend is usually recoverable.
How storms damage each roof type
| System | What hail and wind do |
|---|---|
| TPO / PVC | Punctures and cracks at impact points; weakened spots then break down under UV |
| EPDM | Bruising and eventual punctures — often hard to see with the naked eye |
| Modified bitumen / BUR | Fractured surfacing exposes the asphalt below and cracks the membrane |
| Metal | Dents that break the coating, loosened seams, water-collecting depressions |
| Asphalt shingle | Granule loss, bruised mats, creased and lifted tabs after wind |
The Kansas City metro averages three to five significant hail events a year, with some storms producing stones two inches or larger. Metro Atlanta sees fewer hail days but more wind and heavy-rain events. Either way, the damage that matters to a claim is usually the damage you cannot see from the parking lot.
What we do
- Emergency tarping and leak stabilization
- Photo-documented damage assessment with date-matched storm data
- Meet your adjuster on the roof and walk the damage together
- Line-item scope your carrier can price against
- Repair or full replacement once the claim is settled
Details by topic: hail damage · roof insurance claims · emergency leak repair