Did The Storm
Hit Your Roof?
Read This First.
What you don't know about your roof after a storm could cost you thousands. Most damage isn't visible from the ground — and insurance companies are counting on that.
Questions You Need to
Answer Right Now
Most homeowners make costly mistakes in the 72 hours after a storm. These questions could save you thousands.
Build Your Case Like
You're Going to Court
If you can't prove the damage happened during a specific storm event, they will deny your claim. Here's exactly what to collect in the first 48 hours — before evidence disappears forever.
Collect the hail — freeze it immediately
Hail melts within hours. If you find hailstones, bag them and freeze them immediately. This is physical, irrefutable evidence of the storm event that insurance cannot argue against.
Photograph everything with a size reference
Photos of hailstones next to a quarter, golf ball, or baseball create a documented size comparison. Also photograph dents on your AC unit, gutters, mailbox, and any vehicles — these are your corroborating control measurements.
Record a timestamped video walkthrough
A continuous video narration of your property creates a timestamped record that is very difficult for adjusters to dispute. Say the date, time, and location out loud while recording.
Get the official storm date from NOAA / NWS
Go to weather.gov and pull the storm report for your county. Print it or screenshot it. This is government-certified proof of the event — insurance companies cannot dispute a federal weather record.
Document damage on neighboring properties
Photograph damaged roofs, fences, and vehicles on neighboring homes. A storm that damaged three houses on your block almost certainly damaged yours too — cross-reference evidence weakens any adjuster denial.
Check gutters and downspouts for granules
Granule loss from asphalt shingles accumulates in gutters after hail impact. A handful of granules following a storm is physical proof of shingle damage. Also check window screens — hail punctures in screen mesh are another undeniable proof point.
How Insurance Companies
Work Against You
⚠️ The Adjuster Works for Them — Not You
The insurance adjuster who shows up at your door is employed by the insurance company. Their job is to settle your claim for as little as possible. They are highly trained professionals at minimizing payouts. Without an equally knowledgeable contractor in your corner, that imbalance costs homeowners thousands every year.
Low initial scopes are intentional
The first scope of loss an adjuster produces is almost always incomplete. Missing line items, undervalued materials, and overlooked code upgrades are standard practice — not mistakes.
They bank on you not knowing what to supplement
Permit fees, drip edge upgrades, ice and water shield requirements, disposal costs, and code compliance items are routinely left off initial scopes. Most homeowners never know to ask for them.
Delays are a deliberate strategy
The longer your claim drags on, the more likely you are to accept a lowball settlement just to be done with it. Slow-walking claims is a documented and widely-used insurance tactic.
Poor documentation gives them grounds to deny
If your evidence is weak or undated, an adjuster can attribute damage to wear and tear rather than a storm event — and your claim gets denied entirely. Documentation is everything.
The 3-Phase
Claims Process
Most contractors collect the first check and disappear. We stay with you through every phase until every dollar you're owed is in your hands.
RCV vs. ACV —
The $8,000 Difference
Most homeowners don't understand this until it's too late. It's the difference between your full roof being paid for and getting a fraction of what you're owed.
The Unlicensed
Contractor Trap
That cheaper quote might be the most expensive decision you ever make as a homeowner.
You hire an unlicensed roofer to save $2,000
The price looks great. No permit pulled. Work gets done quickly. Seems fine on the surface.
Insurance requests proof of licensed completion
To release final depreciation payment, your insurance company requires contractor license verification and a permit record confirming the work was done legally.
The contractor can't provide it — depreciation denied
No license number to verify. No permit on record. Insurance denies the depreciation release. You lose $3,000–$6,000 that was rightfully yours.
Repairs made by unlicensed contractors may not be insurable
Insurance companies cannot verify that unlicensed work meets building code or was properly completed. This creates a coverage gap that can affect the insurability of your entire home on future claims.
The roof fails — your next claim gets denied too
When the roof leaks again, insurance investigates the prior repair. Unlicensed work can void your future claims on that area entirely. Your policy is now permanently compromised.
The $2,000 "savings" cost you $8,000+
Lost depreciation + future claim denials + repeat repairs = the most expensive roofing decision a homeowner can make.
The Shelter Difference
Every job we perform is done by a Virginia Class A Licensed contractor. Every job is documented, verifiable, and submitted with the complete insurance package your carrier requires to release every dollar you're owed — initial payment, supplements, and final depreciation release. We stay with you through every phase until it's done.
VA Class A Licensed · Lic. #2705164872 · Since 2017Storm Damage
Is What We Do
Atlas Pro Platinum
Highest manufacturer certification available
CertainTeed SELECT
ShingleMaster certified installer
Fortified Certified
IBHS storm-resistant installation
107 Google Reviews
5-star rated across Southside VA
Full Claim Support
All 3 phases — start to final payment
Local Since 2017
Danville VA · Serving VA & NC
Don't Take
Our Word For It
"I'd like to thank Shelter Construction Services for helping us through the entire process. I called needing them to look at our roof from storm damage and to get quotes. They worked with us as I waited and battled insurance. Justin was fantastic from start to finish reworking the estimates to fit our needs and budget to communicating throughout the process. Justin and James made sure to explain everything and answer every question that we had. Shelter makes sure that they do it right the first time so that you don't have to worry in the future."
"These guys are AWESOME! It was raining in my living room and after I changed the date on them a couple times, when I was finally ready they rushed right over and fixed my roof. They were very professional and did a great job. I am very pleased with this company and their staff."
"It was a pleasure to work with Shelter Construction. Our project was based on an insurance claim and the communication amongst all parties was efficient and timely. We had a unique circumstance and Shelter went above and beyond to accommodate our situation. Would highly recommend Shelter Construction!"
Your Roof Won't
Inspect Itself
Every day you wait, storm evidence fades. Hail melts. Granules wash away. Adjuster deadlines tick closer. The cost of calling us is zero — the cost of waiting could be everything.
(434) 724-8160