Home · Wind, Hail & Storm Damage
Wind, Hail & Storm Damage · Ogden & Northern Utah
We inspect the roof, document what the wind, hail, or heavy snow did with photos, and tell you straight whether it's a repair, a replacement, or nothing to worry about yet.
Often, yes. Most Utah homeowners policies cover sudden wind, hail, and storm damage, though it depends on your policy and your roof's age. We inspect for free, document every bit of it with photos, and stand on the roof with your adjuster so legitimate damage gets seen and counted, not overlooked. We put the documentation together and stay on it until your roof is taken care of. With real damage, you're in good hands.
Call or text. We'll stop the water first, same day whenever we can, then sort out the full repair.
What to look for
Along the Wasatch Front, wind is as hard on a roof as hail. It lifts, creases, and peels shingles, and the damage often isn't visible from the ground.
Utah's canyon winds lift, crease, and tear shingles off entirely, one of the most common kinds of storm damage here. Even a few gaps let water reach the decking underneath.
Dented, bruised shingles and a pile of granules in the gutters or downspouts are classic hail damage, and easy to miss from the ground.
Dents in gutters, vents, flashing, or the AC unit are a strong sign hail was big enough to bruise the roof too.
New leaks, spreading ceiling stains, or daylight in the attic after a storm usually mean water is already getting in.
A real inspection, not a sales pitch
A lot of wind and hail damage isn't visible from the ground, so we get on the roof and take dated photos of exactly what we find, like the lifted and torn shingles above. You get a clear, honest read on the condition of your roof, whether that means a claim, a straightforward repair, or waiting and watching.
We'd rather tell you your roof is fine than sell you a job you don't need. That's how you earn a neighbor's trust in a town this size.
How a storm claim goes
We get on the roof, photograph the damage, and tell you honestly whether it's worth filing a claim at all.
If there's a real claim, we walk you through filing with your insurer and put together the documentation they'll want.
We're on the roof with your adjuster so nothing legitimate gets missed, and we translate the insurance-speak for you.
We do the work, magnet-sweep the yard and driveway for nails, walk you around the house to go over the finished roof, and stand behind every bit of it.
This is where being on the roof matters. We document every bit of legitimate damage, walk it with your adjuster in person, and know what a fair storm claim should include, so you get what your policy actually owes you, not a lowball. We put it together so clearly and completely that a fair approval is the natural result. And if the first number comes up short on legitimate damage, we're prepared for that: we go back with the documentation and the detail to support a supplement. That's part of the job here, not an exception, and you won't be sorting it out alone. Then we stand behind every bit of the work.
No deposit, no money up front. On an approved claim, your only out-of-pocket is your deductible. We work within your insurance company's scope and don't come back asking for more. And if the job is a full roof replacement, it's backed by our written 10-year transferable workmanship warranty.
See how our warranty works →Wind & hail FAQ
A lot of storm damage isn't visible from the ground. We get on the roof, take dated photos of what we find, and give you a straight answer: repair, replacement, or nothing yet. The inspection takes about 30 to 45 minutes and costs you nothing.
Most Utah homeowners policies cover sudden wind and hail damage. Your roof's age matters, though: many policies pay full replacement cost on a newer roof but switch to depreciated "actual cash value" once a roof passes roughly 10 to 15 years, and every policy reads differently. Your insurer decides what's covered. Our job is to document everything with photos and walk the roof with your adjuster so legitimate damage gets seen.
Not always, and we'll tell you which side of the line you're on. Many storm repairs run $500 to $2,500. If the fix is likely to land below your deductible, filing usually isn't worth it: you'd pay about the same out of pocket and add a claim to your record for nothing. We document the damage first, then give you our honest read before you ever call your insurer.
A contingency agreement commits you to one roofer if your claim gets approved, and you usually sign it before anyone knows what the work involves. They're legal in Utah and plenty of roofers use them. Our read is that they protect the roofer more than the homeowner, so we don't ask for one. We'd rather earn it: we document your damage thoroughly, meet your adjuster on the roof, and check their scope against what the repair actually takes. If it's fair, we work to it. If it comes up short, we go back with the detail to support a supplement. Either way, know this: Utah Code 13-50-202 and 13-50-203 give you five business days to cancel a storm repair contract in writing if your insurer denies any part of your claim, and require the contract itself to carry that cancellation notice plus a detachable cancellation form. Ask any roofer whether theirs does. If you've already signed something you're unsure about, the Utah Insurance Department or an attorney is the right call, not us.
Yes. Your deductible is set by your policy, and you're responsible for it on any approved claim. In Utah that's commonly $1,000 to $2,500, or on some newer policies 1 to 2 percent of your home's insured value. The good news: on an approved claim, the deductible is your only out-of-pocket. We work within your insurance company's approved scope, so there's no surprise bill on top of it.
In Utah the window is typically about 12 months from the date of the storm, but the deadline is set by your policy, so ask your agent for your exact number. Don't wait it out either way: insurers expect prompt reporting, and fresh damage is far easier to tie to a specific storm than damage reported months later.
Usually not the way people fear. Insurers treat wind and hail as an act of nature, not your fault, so a storm claim doesn't count against you the way an at-fault claim can, though it typically sits on your claims record for five to seven years. And after a major storm, premiums often rise across the whole area based on total regional damage, whether you filed or not. Skipping a legitimate claim rarely saves you money. It just leaves the damage on your roof.
Yes. Call or text and we'll get an emergency tarp on, same day whenever we can. The tarp itself usually takes under an hour to put up, and it stops the water while we schedule the full repair.
Free inspection
Tell us what the storm did and we'll get right back to you. Prefer to talk now?
Calls returned within the hour · Mon–Sat
952 28th St, Suite D · Ogden, UT 84403
Serving Ogden & Northern Utah · Locally owned & operated
Free documented inspection, honest claim help, and no payment until the work's complete.
