Hail damage, documented like an adjuster would.
Sizes, dates, test squares, photos · HAAG-certified · free estimates.
Hail claims are won or lost on the record: what size fell, when, and what it did to each slope. We build that record the way insurance adjusters are trained to read it, tell you straight whether it's cosmetic or claimable, and restore the whole exterior on one claim. Two Michigan offices, family-owned since 1984.
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Tell us when the hail hit and what you've noticed. A local expert calls you back.
How big was it? Tap the closest match.
Size is the first line in the ledger. It predicts what happened to each material on your house.
Quarter · 1 inch
NWS severe thresholdFunctional damage likely on 3-tab roofs and older laminated roofs: bruising and granule loss. New laminated shingles may show only granule scuffing.
Dents in aluminum gutters, downspouts, window wraps, and AC fins. Vinyl siding chips on the north and west faces. Screens tear.
Photograph the gutters, downspouts, and AC fins from the ground with the date. Get the roof documented before the next storm muddies the record.
Dates, sizes, counties. The storms adjusters can look up.
A claim is anchored to a date of loss. These are the recent hail events in our Michigan service area, from National Weather Service storm reports — this record updates automatically when a new severe hail event is reported.
Golf-ball-plus hail and a tornado in one night: 2.00-inch hail northwest of Capac and 1.50-inch in Kimball, 1.00-inch at Otter Lake, an EF-0 tornado through Marysville, and roughly 300,000 outages across the region.
NWS storm reports: 1-inch hail in Holly (Oakland County).
NWS storm reports: 1.75-inch hail in Capac (St. Clair County); 1.75-inch hail in Emmett (St. Clair County); 1-inch hail south of Deerfield Township (Lapeer County); 1-inch hail west of Capac (St. Clair County), among 6 hail reports.
NWS storm reports: 1-inch hail southwest of Highland (Oakland County); 1-inch hail northeast of Franklin (Oakland County).
NWS storm reports: 1-inch hail east of Clarkston (Oakland County).
NWS storm reports: 1-inch hail northwest of Macomb (Macomb County).
NWS storm reports: 1-inch hail north of Wixom (Oakland County).
NWS storm reports: 1.5-inch hail in Casco (St. Clair County).
The Michigan state-record hailstone: 4.5 inches at Stony Point. Michigan counties average two or more hail events a year, and about half of the damaging ones fall in June and July.
Sources: NWS Detroit/Pontiac severe-weather event summaries; 2024 Michigan Hazard Analysis. Michigan hail season runs April through September and peaks May through July.
What a HAAG-certified inspection actually looks like.
Collateral first: gutters and downspouts
Dented aluminum tells us the hail size and which direction it came from before anyone climbs a ladder. Granules piled at the downspout mean the roof shed its surface.
Soft metals on the roof
Vents, flashing, and pipe collars dent at smaller sizes than shingles bruise. They're the roof's own hail gauge.
The ten-by-ten test square
One chalked square on each slope facing the storm. Every shingle inside it is hand-checked. The count in the square is extrapolated across the roof — that number is what the claim is built on.
The bruise
A fractured mat under a dark circle of granule loss. Soft to the touch, and the reason hail-hit roofs leak a year later. This is functional damage.
AC fins, screens, and the rest of the exterior
Hail doesn't stop at the roof. Bent condenser fins, torn screens, chipped siding, and dented wraps all belong on the same claim.
What isn't hail
Blisters, foot scuffs, nail pops, and normal granule wear get ruled out on purpose. A report that calls everything hail is a report an adjuster throws out.
Four questions before you call anyone.
A straight read on whether what you're seeing is worth a claim — no email, no signup.
We'll tell you which way it leans.
Hail claims are decided by size, collateral evidence, and how brittle the roof already was. Pick the closest answer for each.
The math, not the pitch.
A hail claim makes sense when the documented damage clearly exceeds your deductible and the roof's remaining life is worth protecting. Many Michigan policies now carry a separate wind-and-hail deductible, often one percent of the dwelling coverage — three thousand dollars on a three-hundred-thousand-dollar house. Eight thousand dollars of documented damage against that deductible is a claim. A few hundred dollars of cosmetic dings is not, and we'll say so.
Two more numbers matter. A single weather claim raises premiums about 18 percent on average nationally, less than water or fire claims, and some carriers don't surcharge one act-of-God claim at all. And Michigan law guarantees you at least one year from the date of loss to bring a claim — but a claim documented within weeks of the storm is a very different claim from one documented next spring.
Michigan rules worth knowing before the adjuster arrives.
Replacement-cost policies pay what it costs to replace the roof, often holding back depreciation until the work is done. Actual-cash-value policies pay the depreciated value only. Older roofs are increasingly endorsed to ACV.
Check your declarations pageFor policies issued or renewed on or after January 1, 2025, Michigan insurers may not depreciate labor, taxes, or overhead in an ACV settlement unless you bought a specific endorsement allowing it.
DIFS Bulletin 2024-26-INSOnce you've submitted satisfactory proof of loss, the insurer has 60 days to pay. After that, the amount owed bears 12 percent simple interest.
MCL 500.2006If you and the carrier agree there's a loss but disagree on the amount, Michigan policies must offer appraisal: each side names an appraiser, they pick an umpire, and the number is binding.
MCL 500.2833(1)(m)One more rule, about us: Michigan does not allow a repair contractor to act as your insurance adjuster (MCL 500.1224). We support your claim — document it, meet the adjuster on your roof, and walk the evidence slope by slope — and we never adjust it. Disputes go to the state regulator, DIFS, at 877-999-6442.
What to have ready. We'll be on the roof with you.
Most homeowners file one storm claim in a lifetime. We've supported hundreds. Here's the file that makes the meeting short.
- Your policy's declarations page — deductible, RCV or ACV, any roof-age endorsement
- The date of loss and the NWS event it matches (see the record above)
- Ground photos of dented gutters, downspouts, AC fins, and screens, taken the week of the storm
- Our dated inspection report: test-square counts by slope, soft-metal evidence, photos
- Photos of anything already leaking inside, with dates
- Your claim number and the adjuster's name and appointment time — we meet them there
- A list of everything hail touched: roof, siding, gutters, wraps, screens, AC, fence, mailbox
- Nothing signed with anyone else — no assignment of benefits, no contingency agreement
Class 4 impact-resistant shingles we're certified to install.
If hail took the roof, the replacement can be built for the next storm. UL 2218 Class 4 is the top impact rating — a two-inch steel ball dropped from twenty feet without cracking the mat.
Many carriers discount the wind-and-hail portion of a premium for a Class 4 roof. Ask your agent before you choose — and know that the Class 4 test measures mat fracture, not dents or granule loss, so no shingle is hail-proof.
How to read the roofer at your door.
Hail brings out-of-state crews the way it brings adjusters. A few rules keep you safe.
- Look up the license. Every Michigan builder has one you can check with LARA. Ours is #262000657.
- “We'll cover your deductible” is a felony offer in Michigan. Walk away.
- Never sign an assignment of benefits or a contingency agreement on your porch.
- Ask where they were five years ago and where the warranty lives in five more.
- A free roof is not a thing. A free estimate is.
- Get the inspection report in writing with photos and dates — then decide.
Read more before you file.
Answered with the numbers.
Hail documentation from Port Huron to Troy.
Port Huron covers St. Clair, Sanilac, and Lapeer counties and the Thumb. Troy covers Oakland and Macomb. Call the office nearest you. Storm and hail claims in Kalamazoo County and Southwest Michigan are handled by the same crews.
Get it documented while the date still matters.
HAAG-certified documentation, a straight cosmetic-or-claimable answer, and the whole exterior restored on one claim. Estimates are free.
Family-owned since 1984 · Michigan Builders License #262000657 · Licensed & insured · Office lines are voice only — please call.