A Morgan County homeowner had a hail-damaged roof denied by their carrier as 'cosmetic.' We re-inspected, documented bruise patterns by slope with chalk testing, and submitted a written re-inspection request. The claim was approved on re-inspection and the roof was fully replaced.
The Problem
Carrier denied initial claim after their adjuster spent 20 minutes on the roof. Real damage: hail bruising on every slope, granule loss in concentrated patches, dented gutters and AC fins as collateral evidence.
Conditions
Major hail event the previous spring, 1.5"–2" hail confirmed by NWS in the affected zip code.
Project Scope
- Full re-inspection with chalk-test photo documentation per slope
- Collateral damage documentation (gutters, AC fins, painted surfaces)
- Written damage report submitted to carrier
- Re-inspection coordinated with senior adjuster
- Full tear-off and replacement once claim approved
- Class 4 impact-resistant shingle upgrade (homeowner paid difference)
Materials Used
| Shingles | CertainTeed Landmark IR — Class 4 impact rated |
| Underlayment | DiamondDeck synthetic |
| Ice/Water Shield | WinterGuard HT at eaves and valleys |
| Pipe boots | Lifetime silicone, all replaced |
Timeline
- Day 0Homeowner contacted us after initial denial
- Day 2Free re-inspection, chalk-test bruise documentation
- Day 5Written damage report submitted to carrier
- Day 14Re-inspection approved, senior adjuster on-site
- Day 21Claim approved in full at RCV
- Day 35Install complete with IR shingle upgrade
Insurance Details
Initial denial reversed on re-inspection. Full RCV payout. Homeowner paid deductible plus material upgrade to Class 4 shingle (offset by future insurance discount).
Warranty
CertainTeed SureStart PLUS warranty plus our 10-year workmanship.
Outcome
Denied claim converted to full approval. Homeowner now eligible for Class 4 insurance discount in their policy.