Storm Damage & Insurance Claims in Lexington, KY

• Our experts will walk you through your rights as a claimant and best practices on how to file your claim.
• We can assist you in the process of filing the claim.
• As the roofer, we can communicate with your insurance company & adjusters to explain our proposed scope of work.

Hail damage on an asphalt roof is rarely a hole. It is a soft bruise where the impact fractured the mat and knocked the granules loose — the shingle looks nearly normal from the driveway and has lost a decade of life. Wind damage is often a shingle that lifted, broke its seal, and laid back down looking intact.

This is why storm claims get missed. Homeowners look up, see a roof that looks fine, and never file within the carrier’s window. Then three years later the roof starts leaking and the claim is long expired.

If a storm dropped hail anywhere near your street, get the roof looked at. The inspection is free and takes an hour.

The sequence matters, and doing it in the wrong order costs people money.

• Free inspection. We walk the roof, document every impact and lifted shingle with dated photographs, and tell you honestly whether there is a claimable loss. If there is not, we say so.
• You open the claim with your carrier. It is your policy and your claim — we do not file it for you, and you should be wary of any contractor who offers to.
• Adjuster meeting. We meet your adjuster on the roof and walk the damage with them. This is the single highest-leverage hour in the whole process.
• Scope agreement. We explain our proposed scope of work to the carrier and reconcile it against theirs — line items for flashing, drip edge, ventilation and code upgrades are the ones most often left off an initial estimate.
• Approval and schedule. Once the scope is agreed, we schedule the work.
• Completion and final invoice. The carrier releases depreciation on completion documentation. You pay your deductible.

You will meet contractors who offer to "eat the deductible" or "make it disappear." In Kentucky, as in most states, that is insurance fraud, and it exposes the homeowner as well as the contractor. It also tells you exactly what corners that contractor is willing to cut on the roof itself.

Spangler does not do it. You pay your deductible, the carrier pays the balance of the covered loss, and everything is documented.

Spangler Roof Systems provides storm damage & insurance claims throughout Lexington and the surrounding Central Kentucky counties. Serving all of Kentucky.