Storm damage roof repair & insurance claim help in Utah
Wind and hail hit Utah roofs hard — and most of the damage can’t be seen from the driveway. We inspect free, document everything with photos, and help you navigate the claim from adjuster meeting to final invoice.
What storm damage actually looks like
Wind damage
- Shingle tabs lifted, creased, or missing entirely
- Broken seal strips you can’t see from the ground
- Bent or detached flashing and ridge caps
- Shingle pieces or granule piles in the yard and gutters
Hail damage
- Random dark bruises or dents in the shingle surface
- Granules knocked loose, exposing black asphalt
- Dents in soft metals: vents, flashing, gutters
- Damage concentrated on the storm-facing slopes
Both kinds shorten a roof’s life even when it doesn’t leak right away — and both are exactly what homeowners insurance exists for. The key is documentation before the next storm makes it worse.
How a storm claim works with Stone Ranch
Free storm inspection
We walk the roof and photograph every mark, lift, and dent — usually within days of your call, faster after a major event.
You get the evidence
A photo report showing exactly what the storm did. If there’s no meaningful damage, the report says so and you’re done — free.
You file the claim
You open the claim with your carrier — it’s your policy and your call. We’re available to answer questions as you do.
We meet your adjuster
We’re on the roof during the adjuster’s inspection, walking the documented damage point by point so the scope reflects reality.
Build & closeout
Once your claim is approved, we build to the approved scope and provide the completion paperwork your carrier needs to release final payment.
Insurance honesty, in writing
Storm restoration attracts bad actors, so here’s where we stand. Your deductible is yours: under Utah law, a contractor who offers to pay, waive, or rebate an insurance deductible is committing insurance fraud — and putting the homeowner in the middle of it. Anyone leading with a “free roof” is telling you who they are.
We also won’t push a claim your roof doesn’t support. Ordinary wear isn’t storm damage, and pretending otherwise wastes your time and risks your record. What we will do: document real damage thoroughly, meet your adjuster, build to the approved scope, and be here — in Murray — long after the storm chasers leave town.
Storm & insurance questions
Will homeowners insurance cover my roof damage?
If wind or hail damaged your roof, your policy may cover repair or replacement — coverage depends on your specific policy, deductible, and the damage itself. What we can promise: thorough photo documentation of everything we find, so your claim reflects what actually happened to your roof.
Can you waive or cover my deductible?
No — and no honest Utah contractor can. Under Utah law, a contractor paying, waiving, or rebating your insurance deductible is committing insurance fraud. Treat any “free roof” or “we’ll eat your deductible” pitch as the red flag it is.
How soon after a storm should I get inspected?
Quickly — ideally within days. Wind and hail damage is often invisible from the ground, it worsens with the next storm, and insurance policies have time limits for filing claims. A prompt inspection with photos protects your options either way.
Will you meet the insurance adjuster?
Yes. We’re on the roof with your adjuster during their inspection to walk through the documented damage point by point, so nothing gets missed. You file the claim; we make sure the scope reflects reality.
What if you don’t find storm damage?
Then we tell you that — in writing, with the photos to back it up. We don’t push claims for ordinary wear, and we’d rather earn your roof replacement honestly in five years than burn your trust today.
Storm come through? Get it documented.
Photo report and a straight answer — free, no pressure.