Storm damage and insurance claims.

After a monsoon or hail event, most homeowners don't know where to start. Platinum Roofing inspects your roof, documents the damage properly, and works with your insurance adjuster so you don't have to figure it out on your own.

Clay tile roofs at golden hour with mountains behind

Monsoon and hail damage assessment, emergency tarps, and insurance documentation

Arizona monsoon season brings wind, hail, and sudden water intrusion that can compromise a roof in one storm. Platinum responds quickly — we tarp exposed areas to prevent interior damage, conduct a thorough inspection, and produce photo documentation and a damage report for your insurer's review.

Dented metal, cracked tile, granule loss, and water inside after a storm

Hail damage isn't always visible from the ground. Impact craters on metal flashing, cracked or displaced tiles, granule loss concentrated in impact patterns, and any new interior water staining after a storm are the signs we look for. If you're not sure whether your roof took damage in a recent event, an inspection is the only reliable way to know.

A documented inspection, adjuster coordination, and repairs completed correctly

We work alongside your adjuster. Our inspections are thorough and our documentation is clear, which supports the insurer’s assessment and a repair scope based on the damage found. If your roof needs emergency stabilization while the claim is processed, we handle that too. You'll know what's happening at every step.

01

Document

We photograph and catalog all visible damage — hail impacts, torn material, compromised flashing, and water entry points.

02

Inspect

We assess the full roof system and identify the complete scope of storm-related damage, not just what's visible from the ground.

03

File claim

We provide your insurer with a complete damage report and work directly with your adjuster to support an accurate claim review.

04

Restore

Once the claim is approved, we complete the repair or replacement to the full approved scope — done right, not just done fast.

What should I do right after a storm damages my roof?

Stay clear of unsafe areas and document visible damage from a safe location. Contact a qualified roofer about temporary protection and inspection, and ask your insurer about its reporting and documentation requirements.

Coverage: Will my insurance cover the repair?

Coverage and deductibles depend on your policy and the insurer's review. Platinum can document roof condition and proposed work; a roofing report does not guarantee claim approval or payment.

Claim timing: Do I need to file a claim before getting an inspection?

Ask your insurer about its process and reporting requirements. A contractor inspection can provide useful documentation, but do not delay contacting your insurer while waiting for that report.

Filing deadlines: How long do I have to file a storm damage claim?

Check your policy and ask your insurer directly. Do not assume a universal deadline; record when you noticed the damage and keep dated photos and communications.

Schedule a roof inspection.

Document roof damage without putting yourself at risk

Once conditions are safe, take photos from the ground of the roof, displaced materials, gutters and other visible damage. Record interior staining or drips only where it is safe to do so. Keep original photos with their dates, a short description of each observation and any earlier inspection records.

Save storm alerts or weather reports as context, separately from photos of the property. Weather in the area is not proof of damage to an individual roof. Do not walk a wet or damaged roof or attempt unsafe tarp installation; ask about professional temporary protection and keep the associated receipts.

For preparation before the next storm, use the monsoon inspection checklist.

A roof-damage claim documentation checklist

  1. Contact your insurer: Ask about reporting requirements, the next inspection step and how to document temporary protection. Keep the claim number and contact details. Do not assume a universal deadline or wait for a contractor report before asking about your policy's requirements.
  2. Request a roofing assessment: Ask for dated photos, affected components, measurements and material identification where available. Keep observations separate from conclusions about what caused the damage.
  3. Compare the scopes: Review the contractor's proposed work alongside the insurer's estimate. Ask for explanations of differences in quantities, materials and included work rather than treating either document as interchangeable.
  4. Keep a communication record: Save estimates, invoices, emails and written decisions. If something is unclear, request a written explanation and ask your insurer about its review process.

A roofing inspection describes condition and proposed work; it is not an insurance coverage decision. Coverage, deductibles, settlement terms and timing depend on the policy and the insurer's review. Read agreements before signing and seek qualified advice if you do not understand their terms.

Contact Platinum about a roof inspection, or compare repair and replacement considerations.