What we handle
- Roof hail damage (shingle, tile, metal)
- Siding and exterior finish damage
- Screen enclosure damage
- Vehicle hail damage
- Window and skylight damage
Key disputes
- Cosmetic damage exclusion. Increasingly common on metal roofs. Counter with functional impact evidence.
- Hail vs. wear-and-tear. Older roofs sometimes show patterns that carriers attribute to normal aging.
- Scope limited to visible dents. Hail impact can affect underlayment and structural integrity beyond visible dents.
- Matching. Hail-damaged sections often can't be spot-matched: continuous-area replacement supported by Fla. Stat. 626.9744.
Documentation that supports
- Weather data confirming hail event (NWS storm reports, storm tracking)
- Neighborhood damage patterns
- Roof professional's field report
- Close-up photography showing impact patterns
- Independent hail-damage assessment