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 drone + HAAG inspection
We fly a drone for safe aerial photos of every slope, then a HAAG-certified inspector evaluates the damage and tells 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
How we inspect
Drone-safe roof inspections, read by HAAG-certified eyes.
Safe drone roof inspections
We fly a high-resolution drone over every slope, ridge, valley and penetration before anyone sets foot on the roof. It is safer for our crew, gentler on your shingles, and it captures the kind of close-up evidence an adjuster can read — without risking a person on a wet or damaged surface.
- No unnecessary walking on damaged shingles
- Steep, tile and multi-story roofs inspected safely
- Aerial photos stored with your file
HAAG-certified inspectors
HAAG certification is the roofing industry’s recognized standard for forensic damage assessment. A HAAG-certified inspector is trained to tell hail damage from normal wear, wind creasing from installation defect, and ice-load damage from age-related failure — then document it the way insurance carriers and appraisal processes accept.
Why that matters for you: our findings carry weight with your adjuster, which means legitimate storm damage is less likely to be written off as wear and tear, and your claim has a better chance of being scoped correctly the first time.
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.
HAAG-certified inspectors
Trained to the roofing industry’s forensic damage standard, so your inspection holds weight with the adjuster.
Drone roof inspections
High-resolution aerial documentation of every slope — safer for our crew and gentler on your shingles.
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.