Storm damage & insurance
Hail, wind or snow damage? We handle the claim.
Dealing with an insurance company after a storm is the worst part of a damaged roof. You call it in — we do the rest: the photos, the measurements, the adjuster meeting, and the rebuild.
How the claim actually goes
- Step 01
Free damage inspection
We climb up, photograph everything, and tell you honestly whether there is a claim worth filing.
- Step 02
You file, we document
You call your insurer. We hand over dated photos, measurements, and a written scope of the damage.
- Step 03
We meet the adjuster
A crew lead is on the roof with your adjuster so nothing legitimate gets missed or written off.
- Step 04
We rebuild the roof
Approved work is scheduled fast, done to manufacturer spec, and backed by our 25-year warranty.
Signs your roof took a hit
Most storm damage is invisible from the driveway, and many policies have a deadline for filing after the storm date. If you saw a bad one roll through, get it looked at.
- Shingle tabs missing, curled, or lying in the yard
- Dark bruised spots or dented metal from hail
- Granules collecting in the gutters or at downspouts
- Water stains on ceilings or in the attic after a storm
- Bent or torn flashing around chimneys and vents
- Ice dams and sagging gutters after heavy snow
Why homeowners pick Harbor
The boring guarantees that actually matter
25-year warranty
Every roof we install is backed by a 25-year warranty, in writing.
Licensed & insured
A fully licensed and insured Utah crew — never a fly-by-night storm chaser.
Insurance claims handled
We document the damage, meet your adjuster, and walk the claim through with you.
Answered 24/7
An active leak at 2 a.m. is still an emergency. Someone picks up the phone.
Storm just came through? Start with the free inspection.
Storm damage questions
- Does insurance cover storm damage to my roof?
- Sudden weather damage — hail, wind, fallen limbs, weight of snow and ice — is normally covered less your deductible. Age and wear are not.
- Do you meet the adjuster?
- Yes. We walk the roof with your adjuster so the damage we documented is the damage they record, and we supplement anything the first estimate leaves off.
- How soon should I have the roof looked at after a storm?
- Right away. Most policies limit how long after the date of loss you can file, and hail damage often does not leak for a year or two.
- What if water is already coming in?
- Call 801.839.4186 — we answer 24/7 and can tarp the roof tonight before more water reaches your ceilings.