Repair the siding — and whatever let the water in.

Simple version: you pick a payment that fits your budget instead of writing one big check.

After your free inspection and estimate, we'll walk you through the financing options available for your project — typically fixed monthly payments across a range of terms, with promotional options depending on the current programs. Checking what you qualify for doesn't affect your credit score; a hard pull only happens if you accept an offer.

Financing also pairs well with insurance work — some homeowners finance their deductible or upgrades (like stepping up a shingle line or adding gutter guards) while insurance covers the storm damage itself.

From the ground, often like nothing at all — which is exactly why hail damage gets missed until it becomes a leak. Up close, look for:

• Bruises or dark spots on shingles where granules were knocked loose
• Granules collecting in gutters and downspouts (they look like coarse black sand)
• Dents in soft metals — gutters, downspouts, roof vents, flashing, and AC fins are telltales
• Cracked or exposed fiberglass mat on older shingles

Hail doesn't need to be huge to matter: quarter-size (1") hail can compromise a shingle roof, and Middle Tennessee sits in a genuine hail corridor. If a storm dropped hail on your area in the last 12 months, get a documented inspection even if the ceiling looks fine — insurance claims have time limits.

Honest rule of thumb: repair when the roof is under ~15 years old and the damage is localized — a leak around a flashing, a few wind-blown shingles, a puncture. Replace when the roof is nearing the end of its lifespan, damage is widespread, repairs are recurring, or a storm compromised enough of it that insurance is already involved.

The math matters too: three $800 repairs on a 19-year-old roof is worse than putting that money toward the replacement you'll need soon anyway.

We quote both paths when both are viable, with photos of what we found, so the decision is yours with real information. We do plenty of repairs — we're not a "replacement only" shop.

After a wind event, check from the ground for:

• Missing shingles or dark patches where tabs blew off
• Lifted or creased shingles — they may lie back down but the seal is broken, which means they'll leak or blow off later
• Shingle pieces or granules in the yard
• Damaged ridge caps along the roof peak, which take the most wind
• Loose or bent flashing, gutters, or fascia

Creased shingles are the sneaky one: the roof can look "fine" from the street while hundreds of broken seals wait for the next storm. Straight-line winds in Middle Tennessee routinely exceed 60–70 mph — if a storm made the news, it's worth a free documented inspection.

After every big Middle Tennessee storm, out-of-state trucks appear. Some are legitimate; many are not. Red flags:

• Door-knockers demanding you sign today "to hold your spot in line"
• Offers to waive or eat your deductible (illegal — and the clearest tell there is)
• No local address you can visit, no Tennessee license number, out-of-state plates
• Pressure to sign an assignment-of-benefits or a vague "contingency agreement" before any inspection report
• Cash-only or big deposits up front

Protect yourself: verify the license, ask for the physical office address, read recent local reviews, and get the inspection findings in writing with photos before signing anything. We've been here, we'll be here — 2002 New Deal Potts Rd in Portland isn't going anywhere.