PHOENIX HAIL STORM DAMAGE ROOF REPAIR

Do You Need to Tarp Your Roof?

Don’t let damaged tiles and holes in your roof destroy property inside your home. If you have even small leaks, the damage can add up quickly. Ideally, you’ll be able to get a roofing company out to tarp your roof quickly.

When a hailstorm hits, every roofing company in the Valley gets flooded with phone calls. Emergency tarping is essential, but often a company can’t get to you fast enough. As a worst-case scenario, here are some tips if you need to tarp the roof yourself:

• Clear debris from the damaged area
• Inspect for damage
• Measure the damaged area
• Position the Tarp on the damaged portion of the roof
• Secure the tarp by rolling it around 2×4 boards and screwing the tarp to the boards

Working on roofs can be dangerous so take these precautions when securing your tarp:

• Never tarp your roof while the storm is still happening
• Have a friend or family member help you
• Make sure there are no downed powerlines on your roof
• Use the proper safety equipment (gloves, safety glasses, and chutes when removing debris)
• Check for tripping hazards
• Make sure you have firm footing when walking around your roof (If an area looks damaged, do not step on it)

How Hail Damage Affects Homeowners Insurance Claims

What Does Insurance Cover and What It Doesn’t

Homeowners insurance typically covers hail damage roof repairs, but the extent of coverage depends on your policy. Most plans cover roof hail damage repair when the damage is sudden and unavoidable. However, insurance companies may deny claims if they determine the damage resulted from pre-existing wear and tear or lack of maintenance.

What’s usually covered:

• Damaged roof repairs, including shingle, tile, or metal roof repairs from hail impact
• Replacement costs if the hail damage roof is beyond repair
• Structural damage caused by hail, such as leaks leading to interior issues
• Gutter, vent, and skylight damage

What’s not typically covered:

• Pre-existing damage or roof deterioration over time
• Cosmetic damage that doesn’t impact function
• Small dents or granule loss that don’t compromise the roof’s integrity

Filing an Insurance Claim

Insurance companies can be difficult to work with and may require a lot of information for you to get the help you need. Before you make any decisions on fixing your roof contact your insurance provider to find out what your options are.

Once you understand your options hire a licensed and qualified roofing contractor to make the assessment process easier. The contractor will assess and document the damage on your roof by noting the date of the storm, taking photos, and writing down areas that were damaged. It is your responsibility to disclose any damage to property inside of your home. Ask the roofing contractor for an estimate on the repair or replacement costs.

After your contractor gives you the assessment documentation contact your insurance company to file your claim.

How to Document Damage for a Claim

Filing an insurance claim starts with thorough documentation. Take the following steps to ensure your claim is processed smoothly:

• Schedule a Professional Roof Inspection – A certified storm damage roofer can provide a detailed assessment and written report to support your claim. Insurance adjusters often rely on professionals offering residential roofing services to validate damage.
• Take Clear, Date-Stamped Photos – Capture images of dents, missing shingles, cracked tiles, or water leaks. Include wide-angle shots of the whole damaged roof and close-ups of problem areas.
• Keep Maintenance Records – Document previous roof repair work or roof inspection reports to prove the damage wasn’t pre-existing.

Tips for Working with Insurance Adjusters

Insurance adjusters work for the insurance company, so it’s important to advocate for yourself during the claims process.

• Request a second opinion if the adjuster downplays the hail damage on your roof.
• Have your own storm damage roofer present during the roof inspection to ensure all damage is properly noted.
• Get multiple estimates for the hail damage repair services to strengthen your case if the settlement offer seems low.
• Know your deductible and policy details to avoid surprises when receiving your claim payout.

If your claim is denied, don’t panic. Many homeowners successfully appeal denied claims with additional evidence from a roof inspection conducted by a reputable roofing professional.

Cost of Roof Hail Damage Repair

Average Repair Costs for Minor vs. Major Damage

The cost of hail damage roof repairs varies based on the severity of the storm and the roofing materials. Here’s a general breakdown:

• Minor Repairs: $250 – $1,000
  • Fixing a few cracked shingles or patching up small leaks.
• Moderate Repairs: $1,000 – $3,500
  • Repairing significant shingle loss, leaks, or gutter damage.
• Major Repairs or Full Replacement: $5,000 – $15,000+
  • If the hailstorm caused severe structural damage, a full roof replacement may be necessary.

Cost Comparison: Repair vs. Full Replacement

Roof Repair:

• More affordable upfront
• Suitable for minimal or isolated roof hail damage
• Can extend the lifespan of your roof

Replacement:

• Best option if more than 30% of the damaged roof needs fixing
• May qualify for insurance coverage
• Can increase home value and energy efficiency

A thorough roof inspection by a trusted storm damage roofer will determine whether a hail damage repair or a full replacement is the most cost-effective solution.

How to Find Financing Options

If insurance doesn’t cover the full cost, or you have a high deductible, there are several financing options to consider:

• Companies offering residential roofing services often provide flexible payment plans for repairs and replacements.
• Home Equity Loans – If you have equity in your home, this can be a low-interest way to finance a hail damage roof repair.
• Personal Loans or Credit Cards – Useful for covering deductibles or small out-of-pocket expenses.
• Manufacturer Rebates & Discounts – Some roofing material manufacturers offer promotions for impact-resistant shingles.

Many homeowners are surprised to learn that contractors offering residential roofing services can assist with financing options and help maximize insurance claims, ensuring you get the best possible outcome after a hailstorm.

Beware of Storm Chasers

When storms hit the Valley and cause large amounts of damage contractors from other states may come in to benefit on the amount of work. These contractors may offer you low rates and get the job done quickly but often do not provide the best quality of work. They are looking to fix your roof and move onto the next one for the pay day. Use a local contractor like Overson Roofing to repair your damage. This way you know who is fixing your roof and you know you are receiving the best service possible.

How To Qualify A Roofing Company

When choosing a reputable roofing company, you want to make sure they are qualified to do the job. Ask the contractor about their state licensing. Roofing companies also need individual licenses for residential and commercial properties. Overson Roofing is licensed by the State of Arizona Registrar of Contractors (ROC). Overson Roofing is fully licensed, bonded and insured. Also, search for quality reviews and Better Business Bureau ratings. Overson Roofing continuously receives A+ ratings from the BBB.

Contact

Our roofing professionals will be more than happy to help you with any questions you may have concerning your roof. Get your free estimate today by filling out the form below or by calling 480-354-2564.

Photo by Luke Southern on Unsplash