How Huntsville Roofers Assess Hail Damage and Work with Insurance for Roof Replacements

Hailstorms can wreak havoc on roofs, often leaving homeowners unsure about the extent of the damage and what steps to take next. At Continental Roofing, our team of experienced inspectors works closely with homeowners and insurance adjusters to determine if hail has caused enough damage to warrant a roof replacement. We’re here to guide you through the process, ensuring your roof is restored while minimizing your out-of-pocket costs.

How Inspectors Identify Hail Damage

Our inspectors use the same process as insurance adjusters to assess your roof for hail damage. Typically, insurance companies mark a 10 x 10-foot section, known as a test square, on each slope of your roof. Within this area, they count the number of hail strikes that have caused damage to shingles. The number of strikes required to qualify a slope for replacement can vary by insurance company.

Additionally, collateral damage is examined to verify hail impact. This includes checking for dents or dings in soft metals like roof vents, gutters, and flashing. These signs help confirm that the hailstorm caused the damage, making it easier to validate your insurance claim.

Beware of Bad Actors

When hailstorms strike, it's crucial to be cautious about who you allow on your roof. Unfortunately, there have been cases where unethical individuals posing as roofers climb onto roofs and intentionally create damage. These bad actors might claim they are helping you with your insurance claim, but their actions can have serious consequences.

If an insurance adjuster recognizes manufactured damage, not only will your claim likely be denied, but it could also impact your ability to file legitimate claims in the future for hail or wind damage. This is why it’s essential to work with a reputable roofing company like Continental Roofing. Our experienced inspectors are honest and transparent, ensuring that all damage is properly documented without compromising your claim's integrity.

Insurance Pricing and Roof Replacement Costs

Once the roof is deemed damaged enough to warrant replacement, the cost is determined using a system called Xactimate. Xactimate is the industry standard for pricing, calculating replacement costs based on the specific region — in this case, Huntsville. Insurance companies adhere strictly to Xactimate pricing, and as a trusted roofing company, we align our pricing with this system to simplify the claims process for homeowners.

However, there can be discrepancies between the insurance estimate and the actual replacement needs. This often arises from missing components that must be installed to meet Huntsville’s updated building codes, such as:

• Ice and water shield in the roof valleys.
• Drip edges around the eaves and rakes.

Our inspectors work directly with the insurance company to ensure these essential components are included in the claim, so your roof replacement meets all local codes and standards.

How Continental Roofing Minimizes Your Costs

At Continental Roofing, we understand that unexpected roof replacements can be stressful. That’s why we make the process as seamless and cost-effective as possible. When you work with us, we guarantee that you will only pay your deductible. Any additional costs, such as code upgrades or overlooked components, are handled through direct communication with your insurance company.

Our experience with insurance claims ensures that nothing is left out of the estimate, so you receive a roof that’s not only fully replaced but also built to last.

Why Choose Continental Roofing for Your Roof Replacement?

With years of experience helping Huntsville homeowners navigate insurance claims and roof replacements, Continental Roofing has built a reputation as a trusted partner for all your roofing needs. Here’s why we stand out:

• Expert Inspections: Our inspectors are skilled at identifying hail damage and ensuring all issues are documented for your insurance claim.
• Insurance Advocacy: We work with adjusters to get every necessary component covered, minimizing your out-of-pocket expenses.
• Code Compliance: We make sure your new roof meets all Huntsville building codes, giving you peace of mind.
• Guaranteed Costs: You’ll only pay your deductible — no hidden fees or unexpected expenses.