Storm Damage Insurance Claims, Made Simple.
Wind and hail damage often can’t be seen from the ground. We provide free roof inspections, photo documentation, and step-by-step guidance through the insurance claim process.
What Insurance Companies Usually Look For
Insurance carriers typically require visible, storm-related damage that affects the roof’s ability to protect your home.
What Counts as Wind & Hail Damage?
During your free inspection, we photograph every one of these issues so your claim is backed by clear evidence.
Wind Damage
- Creased shingles from uplift
- Missing tabs
- Torn tabs
- Lifted shingles that no longer seal
- Exposed nails after blow-off
- Ridge cap damage
- Interior leaks from wind entry
Wind damage can compromise your roof’s waterproofing and lead to leaks, mold, and a shorter roof life.
How wind damages your shingles
Strong wind gets under the edge of a shingle and lifts it. That can break the seal strip, crease the shingle, loosen nails, or crack the mat inside. Even if the shingle lies back down and looks normal from the ground, the material is already weakened.
Shingles shed water in overlapping layers. Once a shingle is bent or creased, water can get underneath, leading to leaks, exposed nail holes, more lifting, and faster deterioration.
Hail Damage
- Circular impact marks
- Granule loss
- Soft bruising in shingles
- Fractured matting
- Dented gutters, vents & metal
Hail weakens shingles and often shortens their lifespan long before leaks become visible.
How hail damages your shingles
Hailstones can bruise, crack, or fracture a shingle. Even when it isn’t torn off, the impact knocks loose the granules that protect the shingle from sun, weather, and water, and can damage the asphalt mat underneath.
Over time, those bruises and bare spots dry out and break down, letting water work its way into the roof system, even when the roof looks fine from the ground.
How We Help With Your Claim
No pressure and no guesswork. Here’s what to expect when you call us.
Free Inspection
We get on the roof and check shingles, flashing, vents, gutters, and attic for storm damage.
Photo Documentation
You get clear photos and notes of every issue we find, ready to share with your insurer.
Claim Guidance
We explain your options honestly and walk you through filing and the adjuster visit.
Repair or Replace
Once approved, our licensed crew restores your roof and cleans up completely.
Why Storm Damage Is a Big Deal
Even minor roof damage can turn into expensive problems if it’s left undocumented.
Hidden Leaks
Water can get in under damaged shingles long before stains show up on your ceiling.
Shorter Roof Life
Wind and hail damage can cut shingle lifespan and force an early replacement.
Claim Deadlines
Many policies limit how long you have to report storm damage. Check sooner, not later.
Roof Claim FAQs
Does the inspection really cost nothing?
Yes. Our storm inspection is free and there’s no obligation. If we don’t find storm damage, we’ll tell you.
Should I call my insurance company first or a roofer first?
Many homeowners have a roofer inspect first so they know whether there’s real storm damage before opening a claim. We’ll give you an honest assessment either way.
How do I know if my roof has storm damage?
Look for shingles in the yard, dented gutters or vents, granules in your downspouts, or new ceiling stains. Most damage can’t be seen from the ground, so a close-up inspection is the safest way to know.
What if my claim is denied?
We’ll review the decision with you and explain what was found and what options may be available. Our documentation gives you a clear record of the damage.
What areas do you serve?
We serve homeowners across Maryland, Virginia, and Pennsylvania, with 24/7 emergency service.
FIND OUT WHAT YOUR ROOF IS HIDING
We inspect, document, and explain your options honestly.
Why Homeowners Choose Capital Roofing & Exteriors
Licensed & insured · MHIC #160595 · PA HIC #PA195462