Wind and hail are often separate line items on a policy with different deductibles, so which one caused your damage affects what you are owed.

Wind lifts and creases shingles along one exposure. Hail fractures the mat in circular bruises spread across all slopes. Document the storm date – the NOAA record establishes when hail actually fell in your county, which matters if the claim is questioned.

More on this

• Two or three layers of shingle already on the roof
• Plank decking with gaps between the boards
• Rust streaks below the chimney flashing
• Wood shingle under the asphalt
• No ridge vent and no soffit intake
• Valley metal rusted or missing
• Masonry chimney needs work
• Sagging visible along the ridge line

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Written by Jaylan Jones. I Like To Exterior Services earns a referral fee when a call connects to a contractor. See our business-model disclosure.