Prosper — full hail-storm insurance replacement
A May supercell dropped golf-ball hail across the neighborhood. Here's how one claim went from photos to a finished roof.
The problem
Damage the family couldn't see
The roof looked fine from the yard. But the May storm had bruised the shingles across three slopes, dented the gutters and the AC condenser, and knocked enough granules loose that they were washing out with every rain. The homeowners almost didn't file — the roof "looked okay." A free inspection showed otherwise, and the claim window was still open.
What we did
Documented it, then met the adjuster on the roof
We photographed every slope with dated images, marked the hail hits, and gave the family a report to file with their carrier. When the adjuster came out, we were on the roof with them — which is how two slopes that had been overlooked from the ladder made it into the approved scope. The claim was approved as a full replacement, code upgrades included.
We installed an impact-resistant (Class 4) architectural shingle — the toughest asphalt option for hail country, and one that earned the family a discount on their premium going forward. New synthetic underlayment, ice-and-water in the valleys, fresh flashing and pipe boots, ridge ventilation, and a magnetic sweep of the yard afterward. One day on the roof.
Their out-of-pocket cost was their deductible. Insurance covered the rest, and we invoiced the recoverable depreciation so they collected the full replacement value they were owed.
| Location | Prosper, TX |
|---|---|
| Cause | May hailstorm (golf-ball) |
| Roof size | 38 squares |
| Material | Impact-resistant Class 4 architectural shingle |
| Claim | Full replacement approved, code upgrades included |
| Homeowner cost | Insurance deductible only |
| Timeline | 1 day on the roof |
They almost didn't file because the roof "looked okay." They paid their deductible and got a Class 4 roof that lowered their premium.Next project — Highland Park
Storm hit your street?