Residential · Storm Damage & Insurance
Storm Damage & Insurance Claims
Hit by hail or severe winds? We expertly navigate the insurance process for you, from free inspection to adjuster meeting to full restoration.
Our Process
How Seal Top Helps You Win Your Claim.
We specialize in bridging the gap between roofing construction and insurance claims. Most homeowners are unaware their roof qualifies for a full insurance-covered replacement.
01
Free Comprehensive Inspection
Our trained experts get on your roof to look for the specific damage patterns that adjusters require. We document everything with high-resolution photos.
02
Filing the Claim
We guide you through contacting your insurance provider to open a claim, ensuring the correct terminology is used for the best possible outcome.
03
The Adjuster Meeting
This is the most crucial step. When the insurance adjuster comes, we meet them there. We point out damages and advocate on your behalf to ensure nothing is missed.
04
The Build
Once the claim is approved, the insurance company cuts a check and we get to work. What you pay out of pocket depends on your policy, starting with your deductible.
Know the Signs
4 Signs of Storm Damage to Look For.
Storm damage is insidious. A bruised shingle won't leak today or tomorrow, but it might in six months, causing severe interior damage and mold.
Bruised or Dented Shingles (Hail)
Hail leaves 'bruises' or dents on asphalt shingles. These impacts knock off the protective granules, exposing the asphalt to UV rays, which eventually leads to leaks.
Missing or Lifted Shingles (Wind)
High winds can snap shingles off or lift them. Even if a shingle isn't completely missing, a broken seal means water can be driven underneath.
Granules in Your Gutters
If you find a large accumulation of shingle granules at the bottom of your downspouts after a storm, it's a clear sign your roof took a beating.
Dents in Soft Metals
Check your gutters, downspouts, and mailbox. If these soft metals have hail dents, your roof almost certainly has damage too.
Wear-and-Tear vs. Storm Damage
Insurance companies do not pay for roofs that are simply old (wear-and-tear). However, if an "Act of God", like a severe hail storm or high winds, damages your property, you have a valid claim.
The problem? Storm damage isn't always visible from the ground. That's why a professional inspection matters, and why we offer them free of charge.
Schedule Free InspectionFAQ
Insurance Claim Questions
Common Questions
Frequently Asked Questions
Will my insurance rates go up if I file a claim for storm damage?
Generally, 'Act of God' claims (like hail or wind) do not single-handedly raise your individual premium. These are external events beyond your control, and most insurance policies treat them differently from at-fault claims.
Do I have to get 3 estimates for an insurance claim?
No. This is a common myth. Because the insurance company sets the price based on standardized software (Xactimate), your only job is to choose a contractor you trust. Having multiple estimates is not required.
How long do I have to file a claim after a storm?
Most insurance policies require you to file a claim within one year of the date of the storm. Don't wait, storm damage that isn't addressed quickly can worsen significantly.
Can I inspect my roof myself after a storm?
We highly recommend leaving roof inspections to professionals. Not only is it dangerous, but trained contractors know exactly how to spot the subtle signs of hail damage that insurance adjusters look for. We offer free storm damage inspections.
What if my insurance claim is denied?
If your claim is initially denied or underpaid, we can help you understand your options, including requesting a re-inspection or filing a supplemental claim. We have experience navigating these situations for Atlanta homeowners.
Suspect Storm Damage? Don't Wait.
Storm damage worsens over time and you have a limited window to file an insurance claim. Schedule your free inspection today.
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