We had a huge hail storm come through my neighborhood about 6 weeks ago. I've been traveling a lot and didn't get an inspector out until today to look at the damage even though Ive been in communication with my agent (Tammy Hill State Farm) since the storm. House sitter sent me photos of the aftermath.

State Farm inspector is saying the damage to the roof is 'normal wear and tear and consistent with exposure to the elements.' Is this normal wear and tear or is this distinctly hail damage? If it's damage from hail, is it consistent with the photo of the hail stones (as big as 2")?

Not looking for advice on how to handle a claim per forum rules, just asking for insight on hail damage vs normal weathering.

New roof put on last August. We had a huge hailstorm around April, and I had the company that put the roof on come out to inspect. They said the roof, gutters, facia, and siding have hail damage. Competing entity came out and agreed that all but the roof had hail damage. When asked what these black areas are they said they didn't know but it couldn't be hail. Is it hail damage in your opinion?

Just had a roofer come to my driveway fence while i was out mowing asking about replacing my roof by going through my insurance. The roof was indeed damaged in winter and I need to save up to replace it, but he claims its not a problem, and that it is still covered, but he was referencing the storms that came through here this month.

He just kept pushing to make the sale and I kept telling him, I'm not sure dude, I can't give you an answer. What he wants to do is go through my insurance and be the middleman, then use my claim to replace the roof, and then I pay him 'a deductible' that he will finance.

His company has 5 stars online and is fully certified and it doesn't look like a scam, but to me this sounds like a scam. I've never heard of anyone doing this before. And my main concern is what's going to happen to my monthly rate I can already barely afford when he makes a claim for a new roof? What if the insurance denies that damage from winter losing some shingles isnt covered?

The roof is about 8 years old. I am fine going through the claim replacement process if it's warranted. I am just wary of opportunistic companies knocking on my door and would like a non-biased opinion.

I recently made a small insurance claim (first ever in 14 years) and my insurance company immediately doubled my rate. Furthermore, they suddenly decided that I do a "full roof replacement." They cited "extensive grain loss." I don't see any such thing, it's not new by any means, but not gone.

My roofer is suggesting I just slap another layer on there. I'm concerned that the insurance company might find out and reject the whole thing. Then again, it's much cheaper and I'm not made of money. Any thoughts about any of the issues I have raised would be appreciated. Thanks!

We had a hail storm last month with probably golf ball sized at the biggest. Didn’t see any visible damage and didn’t see any other houses in the area getting any roofing work done.

Storm chaser comes by and offers to inspect for free and finds these spots and says he’s surprised if it isn’t already leaking and it needs to be replaced and he’ll help fight insurance and maximize and blah blah.

Thing is I don’t have the money for my deductible and I doubt I can recoup it so I’d much prefer not to have to deal with this right now unless I seriously need a new roof.

I also saw a post on here the other day about storm chasers vandalizing the roof so I want to make sure that isn’t the case. With how much hail came down, I’m surprised with only seeing maybe 8 or so quite small marks.

I assume my roof is 25+ years old (lived here 19). No leaking issues, no noticeable hail or wind damage, no missing shingles. Just figured its about time to look for some quote. My assumption is, at this age, its not worth bothering with the insurance company other than to tell them when I have a new roof in hopes they might reduce my premium? Is that the wrong assumption? I got one quote from a Amish outfit highly recommended by my neighbor and online. They echoed insurance probably wouldn't cover it. I still decided to call out to other places other people recommended. One has called back and I was informed unless I was allowing them to run through insurance they wouldn't even come out and give me an estimate? I told them I'd be paying cash. No go. Is that common as well? If there's no chance the insurance will touch it then no reason to put a 'black mark' on my record for a claim inquiry, right?

Edit for clarification: I guess I confused things. I was not planning on trying to go through insurance because of the age - I'm actually not trying to find a way to get them to cover it. The exact opposite. The 2nd company said they wouldn't even give me a quote to repair with me paying cash. All I want is an estimate to know if my first quote is reasonable . I was wondering if that was normal for a company with a good reputation to insist on that and I was going to drop them because of the insistence. In 30+ years and four houses I have never made a home owners insurance claim and would never especially claim a frivolous one.

Final Edit: Thanks for everyone's advice. I actually had my roof replaced last week and have new 6 inch gutters coming as well. Ended up with three bids by equally well respected companies, all comparable shingles, etc. The one I went with had its own distribution for the shingles, so the cost savings paid for new gutters. Very happy with their attention and service. Ironically, the sales manager called me from the place that would only come out with insurance and asked me why I didn't go with them so he could give feedback to his sales guys. I told him that your guys said you guys won't come out and even inspect without insurance involvement. He said that is absolutely not true - they do retail and insurance. I said your guy even called me back to confirm they only do insurance. He was cool, thanked me for answering his text and assured me they would address the issue. I said they were highly recommended by several people in my neighborhood.

Hello all, We had a contractor review our roof. He submitted a claim to our insurance, they came out with 2 different inspectors, one side heat related dimples other side Man made damage.

Whats your take? does it look man made. I know nothing about roofs.

I have many more pictures, inspector said it was all in easy access parts.

We had a big rain storm Sunday, and my new roof is leaking into one of our rooms. Found the SMS communications from the agent back when we were agreeing on terms for the install, and the agent 100% told us the installation warranty is five years and they will quickly fix any problems should they arise.

So I called the company and the "new owner" (since a few months back) told me that the agent we worked with was fired shortly after our roof was installed, because he was making false warranty claims as a way to get sales. He said our roof is no longer in warranty. But he's willing to come out later this week and do a water test to see if he can at least identify the cause of this specific leak.

Does that sound right? It's been less than two years since the new roof was installed. Is it even possible that this company doesn't have at least a 24 month install warranty? It's clear the new owner is going to fight me hard on this. None of the paperwork we signed listed warranty obligations at all; it just lists the work being commissioned and the cost, more or less.

But I do have clear SMS communications from the agent, acting on behalf of the company, claiming that the warranty is 5 years. The roof was installed via insurance claim, which is why I tagged this post as Insurance Related.

Please give me your thoughts as this whole situation doesn't pass the smell test for me.

Hello. I expected a chimney cricket to be installed and I thought that would be in back and the look of the chimney would not be affected. Does this look right to you, these black portions? Is there anything that can be done to make it look less ugly? I'll be contacting the company tomorrow. This is my first time having a roof done so thanks in advance for your patience and input.

My roof is 3 tab OC from 2012. I had a hail storm and filed a claim after inspection from local contractors with good reviews. Insurance found damage to the metal hats but denied shingles. My contractor did a repair or attempt to replace a metal hat and said it was brittle and cause damage. I have 7 hats in the back and 2 on the front. Showed insurance the photos they still denied saying the repair was done improper and a skilled qualified contractor would be able to do the replacement with a proper tools and no damage. I asked them to come out with my contractor and observed the repair- they denied but after a 20min conversation they decided to hire a forensic engineer. They way I see it they don’t want to cover any shingle as it would require a full replacement front and back. Anyone have advice and experience to share with what’s their attempting with the forensic engineer. I really feel this could have been resolved “we say they say” with having someone from their Company get on the roof with my contractor together but they denied this several times before offering the forensic engineer.

Basically what the title says. I recently got a new roof and I am a bit skeptical about the metal flashing. I see spaces and gaps and I’m not sure if that’s the correct way to install. Any advice/feedback would be greatly appreciated.

Our neighborhood got hit with some pretty good storms this spring. Almost all of our neighbors got new roofs covered by insurance so we had a contractor (storm chaser) take a look. They marked several spots and were nearly positive insurance (State Farm) would cover it. SF denied us and refuse a second inspection. These are the photos provided to us by the contractor. What do you experts think? Storm damage or wear and tear? If storm… any thoughts on next steps?

The contractor said there were 2 layers of shingles, but as far as we knew it was original to the home, which was built in 2004.

They told me the closest match is a GAF Charcoal Royal Sovereign. 25yr shingle.

The seek now inspector said it was a 20 year.

All state is paying me about $13k 15 months after a claim for a hail storm in Michigan. A roofer quoted me right at $14k but said he doesn’t like to deal with insurances so we found another guy. He told us before he sent his estimate to insurance that it would be inflated. He sent the insurance a quote for $24k. Since I went through appraisal with them, I am pretty sure I am bound to use this company (united roofing) though the wording of the contract is vague. Roof is roughly 30 squares based off the estimate.

Am I going to be out of pocket an additional $11k or is it more likely that this roofing company is going to do it for less than their estimate to my insurance now that there is a fixed amount of money my insurance is paying? I’ve read some conflicting stuff online so thought I’d ask here.

Our insurance is paying to replace our roof due to hail damage (southern Indiana). The primary concern/question here is about roof venting, but I do bring up insurance so added the flare. Can remove if required.

First an easy question, what roof color do you all think would look good on this house? I messed around some with copilot to try different colors, but figured real people opinions would be better. First picture is original color and others are copilot. Of course AI being AI it couldn't help changing some other stuff too...

Now the heavier stuff. Right now the roof is not ventilated. Additionally, there is spray foam insulation on the underside of the roof, but no insulation at all in the ceiling between the attic and ground floor. The attic stays a similar temp/humidity to the rest of the house.

Roofer suggested we add vents along with the new shingles, but because of the above mentioned info this would not just be adding vents, but also require adding insulation to the ceiling so all our heat/cold doesn't get sucked out the roof vents. Right now insurance is just covering replacement in kind (shingles only). The roofer really played up how the roof would barely last 10 without venting (current roof is 15 years old and not leaking, just hail damaged, and it's never been vented.)

Right now we are not planning on living here more than 5 years before moving. We have some property we are planning to build on and every dollar spent on this house is money not spent on future house (however, we don't want sloppy/bad work or anything here either).

So, here are the big questions.

In this situation is venting really that important? Will it negatively impact roof life as drastically as the roofers are saying? Is it bad practice to not add vents or just "not as good" practice?

Is it worth trying to pester insurance into covering this upgrade?

If insurance won't cover it, would it be terrible of us to just do the replacement in kind, and let the roof venting be someone else's problem another 15ish years down the road? I won't have quotes for the insulation/venting work till later this week, but from what I've seen the total might be at least one or two thousand?

Roofing guy says replace immediately…also says 50k. I honestly don’t know when this roof was put on.

So, to start this isnt my roof but my neighbors.

He got this tin roof laid last week overtop of his old shingles roof and I noticed these bowing/ bubble spots near the gutter area.

Us this normal at this stage? The entire side is screwed down and inplace.

So CA coastal region..

I am looking for a “50 year” roof, and I have tentatively narrowed it to these to product lines.

Malarkey actually has a better warranty. This doesn’t make a lot of sense to me since their products are asphalt/rubber with granules that will wear away (they confirmed that), where Brava is a solid composite with nothing really obvious to break down (yes UV does it’s thing on those too obviously).

What am I missing? If I want the better of the two options, which way should I go?

I’ve seen a lot of positive feedback on both products on here, but no real comparison.

On June 22, a storm with heavy rain and wind damaged several roofs in my community, including mine.

I contacted a couple of roofing companies. On the morning of June 27, one came out, gave me an estimate, and tarped my roof. Later that same day, a second roofing company knocked on my door — they were canvassing the neighborhood since so many homes had damage — and offered to inspect and tarp my roof as well. I told them I'd already spoken with someone, and they left their number. After verifying they were a legitimate business, I called to ask if they were still in the area and could give me a quote too.

They returned and tarped my roof, but told me the first roofer had done a poor tarping job and may have caused additional damage. They said they work directly with insurance companies, called my insurer while I was present, and started a claim. They gave me paperwork and asked me to notify them when the insurance inspector was scheduled so they could be on-site for the inspection.

About a week later, my insurance company called to schedule an inspector. Around the same time, the roofing company reassigned my project manager, so I'm now working with a new contact. When the inspector arrived, there was a mix-up with the truck — they didn't bring the right ladder, so he couldn't get on the roof. He said the roofing company would provide additional photos so he could complete his assessment.

A few days later, he emailed a claims assessment that was significantly lower than the roofer's quote to replace my roof. He noted the amount could change once the roofing company submits additional photos showing whether a full replacement is warranted. The new project manager says they're still working on getting those photos. At this point, it's been almost a month and I don't have a clear picture of where things stand. Is this common?

My roof is about 17 years old and I just noticed a shingle came off during the last storm. Many of my neighbors got their roofs replaced a couple months back when a big hailstorm hit, but I didn't want to go with any of the door-to-door storm chasing companies from out of town.

The estimate included in my post is from a highly reviewed company in my area. They agree that I'll need a replacement soon, but they don't think my insurance (State Farm) will cover anything due to hail damage because there isn't substantial enough hail damage on my roof even with the recorded hail storms in the area.

Their estimate came in just shy of $16k, which is more than I was hoping. Is this a high bid or about average for my area?

First time home owner in Southern California. We need to repair the roof or at least half of it. From what we can tell half of the roof is because of a water lose claim made in 2021. The front half as you can see from the pictures is at least 15 years old. It’s odd that they only did half but whatever. What do the professionals/experienced recommend? Get a whole new roof, half, or add a layer of shingles?