Storm Damage Roof RepairPender County, North Carolina

Look for missing or damaged shingles, granules in gutters, dented metal vents or flashing, water stains on ceilings, and visible debris impact. However, much storm damage isn't visible from ground level—wind damage often affects the back slope of roofs, and hail damage may only show as soft spots upon close inspection. We recommend a professional inspection after any significant storm in Pender County. Our inspections are free and we provide honest assessments—we never recommend replacement when repair will work.

Most North Carolina homeowners policies cover sudden storm damage including hurricane, wind, hail, and fallen tree damage. Coverage typically pays for repair or replacement minus your deductible. However, policies vary—some have separate "wind/hail" deductibles (often 1-5% of home value) common in coastal Pender County. Age restrictions may also apply. We help you understand your coverage and maximize your claim.

File your claim within 30 days for best results. While most NC policies allow 1-2 years, waiting creates problems: damage worsens, it becomes harder to prove the storm caused it, and insurance companies may dispute claims filed long after the event. After major hurricanes like Florence or Isaias, contractors become scarce—early filing helps secure your spot in the queue.

First, document all damage with photos and videos. If you have active leaks, call us for emergency tarping—NC law requires you to mitigate ongoing damage, and insurance covers this cost. Don't make permanent repairs before the adjuster visits. Keep all receipts for emergency mitigation expenses. Don't sign contracts with out-of-state storm chasers who may disappear after collecting insurance money.

Repair timelines depend on damage severity and insurance approval. Minor repairs: 1-2 days. Significant repairs: 3-5 days. Full replacement: 1-3 weeks. After major hurricanes, wait times increase due to material shortages and contractor demand. We prioritize emergency situations—active leaks and structural damage get fastest response. Once insurance approves and materials arrive, we work efficiently to restore your protection.

Repairs address localized damage—replacing sections of shingles, fixing flashing, patching punctures. Replacement means a complete new roof when damage is too widespread for cost-effective repair. Generally, if more than 30% of your roof is damaged, or if the roof was already aging (15+ years), replacement makes more financial sense. Insurance typically covers whichever option is appropriate for the damage level.

Insurance covers replacement with "like kind and quality" materials—meaning similar to what you had. However, this is the perfect opportunity to upgrade. Want impact-resistant Class 4 shingles? Metal roofing? Architectural shingles instead of 3-tab? You can upgrade by paying the difference between insurance coverage and upgraded materials. Impact-resistant shingles may also qualify for insurance premium discounts in NC.

Don't accept denial or lowball offers as final. Common issues: adjuster missed hidden damage, wrong measurements, or incorrect material pricing. We help by filing supplements with additional documentation, meeting with adjusters to point out missed damage, and providing detailed cost estimates. If needed, NC has public adjusters who work on your behalf. Most denied claims can be successfully appealed with proper documentation.

Choose local, established contractors over out-of-state storm chasers. Verify NC licensing, insurance, and references. Check Google reviews—our 5.0-star rating from 73 reviews reflects consistent quality. Ask about manufacturer certifications (we're GAF Certified). Get written estimates. Never pay full cost upfront—legitimate contractors work with your insurance timeline. We've served the Carolina coast for 15+ years and will be here long after your roof is done.

For inspections, you don't need to be home—we can complete exterior assessments and photograph damage. However, we prefer you present to discuss findings and answer questions about interior damage. For repairs, you don't need to be home as long as we have access to the property. We communicate throughout the process and do final walkthrough when you're available.

We provide 24/7 emergency response for active leaks and structural damage. Emergency tarping prevents secondary water damage to your home's interior—critical during ongoing storms or when rain is forecast. Board-up services for broken skylights or severe damage. Emergency interior protection when needed. These services are typically covered by insurance and prevent thousands in additional damage.

NC coastal counties have stringent wind resistance requirements. Roofs must meet minimum wind speed ratings (typically 110-130 mph in Pender County). We follow all NC building codes, use proper fastening patterns, and install hip and ridge shingles for enhanced wind resistance. Permits are required for most repairs and all replacements. Code-compliant installation protects your investment and ensures insurance coverage for future storms.