Insurance Adjusters: Roof Damage
When your home takes a hit from hail, wind, or severe storms, the first call many homeowners make is to their insurance company. Soon after, an insurance adjuster will visit your property to assess the damage. While this step is crucial, it can also be confusing and sometimes stressful. At Lion Guard Roofing, we’ve helped hundreds of homeowners through this process — and we know what it takes to make sure your roof damage is properly documented and covered.
What an Insurance Adjuster Does
Insurance adjusters represent your insurance company. Their job is to:
Inspect your roof and property for storm-related damage.
Document what they find.
Determine what repairs or replacements your policy will cover.
It’s important to remember that the adjuster works for the insurance company — not the homeowner. That’s why having a trusted roofing contractor by your side makes all the difference.
Challenges homeowners face
Many homeowners assume the adjuster will catch everything, but that isn’t always the case. Common challenges include:
Overlooked damage: Small dents, bruised shingles, or gutter damage may not be noted.
Partial coverage offers: Sometimes only a portion of the roof or repairs are approved.
Technical language: Insurance paperwork can be overwhelming and full of jargon.
At Lion Guard Roofing, we recommend scheduling your roofing contractor to meet the adjuster on-site. Here’s why:
Expert eyes: We know where to look and what hail or wind damage really looks like.
Documentation: We provide photos and detailed notes to back up your claim.
Representation: We ensure the scope of damage is fully recognized, giving you the best chance for a fair settlement.
Think of it this way: the adjuster represents the insurance company. You deserve someone representing you.
Tips for homeowners dealing with Adjusters
Don’t go it alone — always have a contractor present.
Stay organized — keep notes, photos, and copies of all correspondence.
Know your policy — understand deductibles and coverage limits.
Act quickly — most policies have strict deadlines for filing storm damage claims.
Peace of Mind with Lion Guard Roofing
We know how stressful insurance claims can be. That’s why we walk you through the process step by step — from inspection to meeting with your adjuster to completing your roof replacement.
👉 If your home was hit by hail or wind this season, don’t face the insurance company alone. Contact Lion Guard Roofing today for a free inspection and expert help during your adjuster meeting.
Hail Damage: What Last Season Taught Us
How hail impacts our roofs
When severe storms rolled through our area last season, homeowners were left with more than just fallen branches and waterlogged lawns. Hail — sometimes the size of golf balls — pounded rooftops, leaving behind hidden damage that many people didn’t even notice right away.
Hailstones may look harmless, but when they strike with force, they bruise shingles, knock off protective granules, and weaken the overall structure of your roof. Over time, this damage leads to leaks, reduced energy efficiency, and a shorter roof lifespan. Even small hail can create problems that insurance companies recognize as legitimate damage.
According to storm reports, our community saw multiple rounds of hailstorms, making it one of the most active storm seasons in recent years. Roofing crews across the state were busy inspecting and replacing roofs that showed signs of damage. Many homeowners who acted quickly were able to get full replacements covered by insurance, preventing future headaches and costly repairs.
One of the biggest mistakes homeowners made last season was waiting too long. By the time leaks appeared or shingles began to curl, the damage had already spread — sometimes leading to partial coverage or even denied claims. Insurance companies typically require claims to be filed within a certain timeframe after a storm, so delays can cost you.
Hail Damage: Roof Replacements
why replace my roof
If you live in Milwaukee, Waukesha, Walworth, Racine, Kenosha or Washington Co, you know last season brought some of the heaviest hail we’ve seen in years. Homeowners across the area are now discovering what roofing contractors already know hail damage doesn’t always show up right away, but it can seriously shorten the life of your roof.
When hail strikes shingles, it can:
Knock off protective granules that shield your roof from UV rays.
Leave dents, bruises, and cracks that weaken the shingle’s integrity.
Compromise flashing, vents, and gutters.
These small issues turn into roof leaks and costly interior damage if left unchecked. That’s why hail damage roof inspections are so important after every major storm.
Insurance companies often require claims to be filed within 6–12 months of a storm. If you haven’t scheduled a storm damage roof inspection, you could be leaving money on the table.