Storm Damage? Talk to a Roofer Now.
Call (919) 555-0185Tap to call · we answer 24/7, storm or shine
Do not wait it out. Reach a real person any hour, we tarp the breach fast to stop the water, then make the permanent repair right.
Wind and hail damage is commonly covered by North Carolina homeowner policies. We document it, you file, and you stay in control. We are not a public adjuster.
Storm season in the Triangle brings hail, straight-line wind, and the insurance claim that follows. This is the storm hub: see what hail and wind damage actually look like, learn how a roof insurance claim works, and get to a documented repair. Start with a free, no-obligation inspection. We photograph the damage and give you a written report to file your claim with confidence. We are not a public adjuster: we document the damage, you file the claim, and your deductible is your responsibility.
If the roof is not actively leaking, skip the phone tag.
Tell us what is going on and we take it from there, with a real estimator on the line within the hour. Three quick questions, a 60-second estimate, no pressure.
Get Your Free Estimate in 60 Seconds.
No phone tag. Tell us what is going on and we take it from there.
On approved credit. Estimate only, not an offer to lend.
We get on the roof and document wind and hail damage with detailed photos and drone footage.
You get the documentation to file your claim with confidence. We meet your adjuster on-site.
Once the claim is settled, we restore the roof with certified materials and our workmanship warranty.
Summit & Oak documents storm damage and works with your insurer. We are not a public adjuster and do not negotiate claims or guarantee coverage. Your deductible is your responsibility.
See our storm-damage roof repair serviceWhat documents and photos do I need to file a roof storm damage insurance claim in NC?
To file a North Carolina roof storm claim, you (the homeowner) need five things: your policy's declarations page showing your coverage and wind/hail deductible, the date and type of the storm that caused the damage, dated photos of every damaged area, a written contractor inspection report, and receipts for any temporary repairs like tarps. NC policies require prompt written notice to your insurer, who then sends you a proof-of-loss form to sign. You file and control the claim; Summit & Oak only inspects and documents the damage so you have a clear record.
| Document or photo | What it is | Why your claim needs it | Who provides it |
|---|---|---|---|
| Policy declarations page | The summary page showing coverage limits and your wind/hail deductible | Confirms what is covered and the deductible you are responsible for before you file | You (from your insurer or agent) |
| Date and type of loss | The specific storm date and cause: wind, hail, or fallen debris | NC policies require prompt written notice tied to a real storm event; the Triangle's spring and summer storms bring most local wind and hail | You; we help confirm the damage type |
| Dated damage photos | Wide, medium, and close-up shots of each damaged slope, plus gutters and debris, taken within 24 to 48 hours | Gives the adjuster complete proof before weather causes more damage | You; we add a documented inspection photo set |
| Written inspection report | A licensed contractor's report listing each damage point with photos | Independent record of the full scope before the adjuster visits | Summit & Oak (free inspection) |
| Repair and material receipts | Receipts for tarps, lumber, or sealant used for temporary protection | NC DOI advises keeping this record so reasonable temporary costs are documented | You (keep every receipt) |
| Proof-of-loss form | The signed statement of your claimed loss | Your insurer requires it; signing keeps the claim in your hands | Your insurer provides it; you sign and submit |
| Home and contents inventory | A list of damaged interior items if a leak caused water damage | Documents secondary damage beyond the roof itself | You |
| Claim and correspondence log | Dates, names, and notes from every call with your insurer and adjuster | Keeps your timeline clear; NC insurers must acknowledge a claim within about 30 days | You |
Real Triangle storm jobs. Drag the handle to see the difference.
After
Before
After
Before
After
BeforeHow can you tell hail damage from wind damage on a roof?
Hail leaves random, scattered bruises and dark spots where the granules are knocked off, plus dents on soft metals like vents and gutters. Wind works the edges and the field, lifting, creasing, and tearing whole shingles, usually heaviest on the storm-facing slopes, and breaking the seal bonds that hold shingles down. Both are often invisible from the ground, which is why a documented roof inspection after a storm is the only reliable way to tell which one you are dealing with.
| Sign | Hail Damage | Wind Damage |
|---|---|---|
| Pattern | Random, scattered across all slopes | Heaviest on storm-facing slopes and edges |
| Shingle look | Round bruises, dark granule-loss spots | Lifted, creased, or torn-off shingles |
| Metal vents & gutters | Dents and dimples | Bent, loosened, or displaced |
| Seal strip | Usually still bonded | Broken bonds, shingles lift by hand |
| Granules | Knocked loose into the gutters | Washed off torn or exposed areas |
| What it threatens | Latent: cracks and leaks months later | Immediate: exposed deck and active leaks |
Cannot find your answer? A real person is one call away, no pressure.
- A real person answers. No phone tree, no pressure to commit.
- Free documented inspection: photos and a written report before any quote.
- Straight answers on cost, insurance, and financing, even when the answer is a repair, not a replacement.
Stop active water with a tarp if you can do so safely, then book a free documented inspection. We photograph the damage and give you a written report you can use to file your claim with confidence.
Yes. We work directly with every major carrier and meet your adjuster on-site. We are not a public adjuster and do not negotiate the settlement or guarantee coverage.
Yes, and there is no obligation. You get the photos and a written report whether or not you move forward with us.
Spot Damage and Act With Confidence.
Damage worsens fast once water finds the opening. Get a free, documented inspection today.
“Called them at 11pm during a storm with water coming through the ceiling. Someone actually answered and had a tarp on by morning. The permanent repair…”