Hail hit your neighborhood? Your roof kept the receipts.

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.

The short version: document, file, adjust, build.

1. Free inspection first. We assess the roof and photograph every bit of storm damage. If the damage doesn't justify a claim, we tell you straight — filing a weak claim can count against you.
2. You file the claim. You call your carrier (or file online) and report the date of the storm. We can be on the phone with you if that helps.
3. The adjuster visit. Your insurance company sends an adjuster. We meet them on your roof so the damage we documented actually gets seen and scoped correctly.
4. Scope and payment. The carrier issues a scope of work and initial payment (often in two parts — the second arrives after the work is complete).
5. The build. We restore the roof to code with manufacturer-spec installation, then submit the final invoice and documentation to release your remaining funds.

You pay your deductible — nothing more, nothing less. That's the law in Tennessee, and any contractor telling you otherwise is a red flag.

Only if the damage justifies it — and that's exactly what an honest inspection tells you.

File when there's documented storm damage (hail bruising, wind-creased or missing shingles, tornado damage) substantial enough to exceed your deductible meaningfully. Don't file for normal aging or minor wear: claims history follows you, and a denied claim helps nobody.

Our process protects you here. We inspect and document first, tell you plainly whether what we found is claim-worthy, and only then do you decide to involve your carrier. If it's not claim-worthy, you'll know what maintenance or repair actually makes sense instead.

No — and any roofer who offers to is committing insurance fraud and asking you to participate in it.

Tennessee law requires homeowners to pay their deductible, and contractors who "eat the deductible" make up the difference somewhere: inflated invoices to the carrier, skipped materials, or shortcuts on labor. It's also the single most reliable marker of a storm-chasing operation that won't exist when your warranty needs honoring.

We'll help you get every legitimate dollar your policy owes you — real damage, documented thoroughly, scoped fully (including code-required items adjusters sometimes miss). That's how you maximize a claim honestly.