Residential Storm Damage
Documented. Claim-Aligned. Local.
Hail, wind, hurricane, tornado, fallen-tree damage. We document the actual damage, attend your adjuster's inspection, complete repair to claim scope, and don't chase claims that aren't there. Six local offices, permanent crews, fully insured.
Our Storm Damage Approach
We Document. We Don't Chase.
Every named storm in our LA, AR, KS, AL, MS, TX, and FL service area produces two kinds of contractor response. The first is opportunistic — out-of-state crews door-knocking neighborhoods, signing Assignment of Benefits agreements, inflating claim scopes, doing partial work, and disappearing before warranty calls happen. The second is what Brown's Roofing is: local, permanent, state-licensed, fully insured, documenting actual damage and letting carriers pay what's actually owed.
Storm-damage claim work follows a predictable sequence: damage inspection and documentation, emergency tarping if needed, claim filing with the carrier, adjuster inspection (we attend at no charge), claim approval and scope finalization, and permanent repair to claim scope. We own the entire timeline, document at every stage, and produce records the homeowner can use long after the project is closed — for resale, for warranty interactions, or for any subsequent claim that references the same property.
We do not chase claims that aren't there. If your roof doesn't have documentable storm damage, we'll tell you that and recommend either continued maintenance or, when appropriate, an out-of-pocket repair or replacement. Filing claims for damage that doesn't exist hurts the homeowner's insurability — and we don't inflate scopes for damage that's present. The carrier pays what's actually owed; the homeowner gets actual repair.
And we coordinate with insurance from hour one. The pre-tarp documentation we capture on the initial response visit is the foundation of the subsequent claim — without it, claims get contested for lack of pre-restoration evidence. Adjuster inspections are attended at no charge. Repair is completed to claim scope plus any out-of-pocket upgrades the homeowner elects (Class 4 shingles, FORTIFIED designation, metal upgrade) — upgrades that typically pay back through ongoing insurance discounts.
After a Major Storm
- 1.Contain interior damage and document with photos
- 2.Avoid the roof unless the home is exposed
- 3.Don't sign AOB or contracts at the door
- 4.Call your insurance carrier (most have 24/7 filing)
- 5.Call Brown's Roofing for inspection + tarp
- 6.Ask us to attend the adjuster's visit
Active Leak Right Now?
Don't fill out a form. Call directly — phone routes through to the closest office. Same-day response on active leaks during business hours.
Call (318) 329-6579 →Damage Categories
Six Categories of Storm Damage
Each type of storm damage has a different documentation pattern and a different insurance-claim flow. We handle all six and link to dedicated pages on the most common.
Hail Damage
Round impact bruising on shingles, granule loss in gutters, dented metal panels, cracked tiles. Often not immediately leaking but documented, claim-eligible damage that shortens roof life.
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Wind Damage
Lifted or missing shingles, panel uplift, ridge cap displacement, fallen-tree impact. Most common storm damage we respond to; ranges from cosmetic to catastrophic.
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Hurricane & Named Storm
Compound damage from sustained 75+ mph winds, wind-driven rain, and debris impact. We surge personnel from less-affected offices into impacted markets to keep response times reasonable when local capacity is overrun.
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Tornado & Severe Thunderstorm
Direct impact, debris damage, structural compromise. Often requires coordinated response with structural engineers and home-inspection contractors before re-roof scope is finalized.
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Fallen Tree Damage
Trees, large limbs, or wind-driven debris penetrating or crushing roof sections. Coordinated response: temporary structural support, debris removal, tarp protection, full damage assessment.
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Lightning & Surge
Lightning strikes can damage roof penetrations, vent stacks, satellite mounts, and (rarely) cause electrical fire. We assess and document the strike point, which is often a covered claim under standard homeowners.
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Insurance Claim Process
Six Steps from Storm to Repaired
The same insurance claim sequence we walk every storm-damage homeowner through. We own every step — documentation through repair completion.
Damage Inspection & Documentation
We walk the roof (where safely accessible), document every damage point with photos, and produce a written damage report. This becomes your claim's evidence base. Done before any tarp goes up so the documented condition is accurate.
Emergency Tarping (If Needed)
When the roof is actively exposed or leaking, we install mechanically secured tarp protection — battens nailed through tarp into deck. Most homeowners insurance policies reimburse emergency tarping under "reasonable mitigation" provisions. Keep the receipt.
File Your Claim with the Carrier
You file with your homeowners insurance — most carriers have 24/7 claim filing online or by phone. Provide the carrier with the date of loss, basic damage description, and our pre-tarp documentation if helpful. The carrier issues a claim number and assigns an adjuster.
Adjuster Inspection (We Attend)
The carrier's adjuster schedules an on-site inspection — typically 3–10 days post-event, longer after named storms. Brown's Roofing attends at no charge, walks the damage with the adjuster, and ensures the full scope is captured. Adjusters scoping alone routinely miss damage we've documented.
Claim Approval & Scope Finalization
Carrier issues the claim approval with covered scope, depreciation calculation, and recoverable depreciation terms. We review with you, identify any scope items that should be re-discussed with the carrier, and finalize the repair scope including any out-of-pocket upgrades you elect.
Repair to Claim Scope + Optional Upgrades
We complete the repair or replacement to manufacturer specification, document the work for the carrier's recoverable-depreciation submission, and capture before-and-after photos for your records. Class 4 / FORTIFIED upgrades during claim work commonly capture additional insurance discounts on next renewal.
Why Choose Us for Storm Work
Eight Things That Set Our Storm Response Apart
The contractor you pick after a storm shapes your insurance claim, your warranty status, and the eventual quality of the repair. Pick carefully.
We Don't Chase Claims
We don't door-knock through neighborhoods after storms looking for inflated-scope claims. We document what's actually present and let the carrier pay what's actually owed. The opportunistic out-of-state contractors knocking doors after every named storm — we're not them.
Documentation Before Tarping
We capture pre-tarp damage documentation on the initial response visit, before any temporary protection alters the visible condition. This is the foundation of a clean claim — and the step uninsured emergency contractors routinely skip, complicating the homeowner's subsequent claim filing.
Local Crews, State-Licensed
Six offices, permanent local crews, state contractor licensing in every market we serve. We're not flying in from Texas after a Louisiana hurricane (or vice versa); when warranty calls happen 18 months later, we're still here. Verifiable on the state contractor license database.
Adjuster Meeting at No Charge
We attend your insurance adjuster's inspection at no charge — walk the roof with the adjuster, ensure the full damage scope is captured, and provide our supporting documentation. Standard on every storm-damage response we handle. Adjusters scoping alone routinely miss damage we've documented.
Manufacturer-Certified Repair
We hold top-tier residential shingle certifications (GAF Certified Contractor, Owens Corning Platinum Preferred, CertainTeed SELECT ShingleMaster, IKO ROOFPRO Select) so storm-damage repair maintains the original warranty rather than voiding it. Critical when claim work spans multiple roof areas.
Storm-Event Surge Capacity
When demand spikes after named storms, we surge personnel into impacted markets from less-affected offices. Most homeowners discover their preferred contractor is booked 6–8 weeks out post-hurricane; our internal mobility keeps response times reasonable when local capacity is overrun.
End-to-End Claim Ownership
We own the project from emergency response through permanent repair: documentation, tarping, adjuster meeting, claim coordination, repair completion, and depreciation submission. Single warranty document; no homeowner left coordinating between three contractors who don't talk to each other.
Storm Damage Topics
Dedicated Resources by Damage Type
Hail Damage
Bruise patterns, granule loss, claim documentation, Class 4 upgrade economics.
Wind Damage
Lifted shingles, missing sections, ridge cap displacement, panel uplift, FBC HVHZ specs.
Insurance Claims
Adjuster meetings, scope documentation, claim coordination, scope dispute handling.
Roof Tarping
Nail-and-batten tarp installation, post-storm interim protection that stays put.
Emergency Repair
Same-day response, active leak triage, post-named-storm dispatch coordination.
FORTIFIED Roof
Above-code IBHS designation, insurance discounts, Louisiana Fortify Homes Program grants.
Class 3 / Class 4
Impact-rated shingle upgrades during claim work that pay back through insurance discounts.
Metal Roofing
Hurricane-rated and hail-rated metal as a claim-replacement upgrade for 40–70 year service life.
FAQ
Storm Damage FAQ
- Common visible signs from the ground: missing or lifted shingles, granule accumulation in gutters or downspouts, displaced ridge caps, dented metal vents or downspouts, debris on the roof, or water stains on interior ceilings. Less visible signs require roof-level inspection: hail bruising on shingles (round impact marks), cracked or displaced tiles, separated valley flashing, and damaged underlayment. Brown's Roofing offers free post-storm inspections — we walk the roof, document any damage, and tell you whether you have a claim-worthy scope.
- If the damage was caused by a covered peril (wind, hail, falling debris, hurricane) and exceeds your deductible, in most cases yes — homeowners insurance covers repair or replacement minus your deductible. We document the damage thoroughly with photos and a written report, attend your adjuster's inspection at no charge, and complete the repair to manufacturer specification once the claim is approved. We do not inflate scopes or chase claims that aren't there.
- If repair cost is below your deductible, paying out of pocket is usually the right call — filing a claim that costs less than the deductible can affect your insurability without producing any payout. If repair or replacement cost exceeds your deductible by a meaningful margin, filing the claim makes economic sense. We help you make that call: free inspection, written estimate, and an honest opinion on whether the math works for a claim filing.
- An Assignment of Benefits transfers your insurance claim rights to a contractor — meaning the contractor (not you) controls the claim, the payout, and the repair scope. AOB has been heavily abused in Florida and other markets by opportunistic contractors who use it to inflate claims and disappear before the work is done. Brown's Roofing does NOT use AOB. We work directly with you and your carrier; you retain control of your claim throughout. If a contractor is asking you to sign AOB at the door post-storm, slow down and verify them carefully.
- Policy terms vary, but most homeowners insurance carriers require claims to be filed within 30–365 days of the date of loss, with shorter windows in named-storm and hurricane scenarios. Some states have specific statutes (Florida is 1 year for hurricane claims; Louisiana adjusts based on the event). The practical advice: document and file as soon as you safely can after the event. Delayed claims can be denied for "failure to mitigate further damage" if the carrier argues the homeowner allowed damage to worsen.
- Yes, and most homeowners do. Class 4 impact-rated shingles, FORTIFIED designation, and metal upgrades commonly bundle on top of insurance scope — homeowner pays the differential. The upgrades typically pay back through ongoing insurance discounts within 4–8 years. Louisiana Fortify Homes Program grants can subsidize FORTIFIED differentials for eligible homes. We pull discount eligibility before quoting so the after-discount math is real.
- Brown's Roofing isn't a public adjuster — we don't represent you in a denial fight or appeal — but we can provide additional documentation, expert observations, and contractor estimates that often resolve scope disputes informally with the carrier. For formal appeals, denials, or under-scope situations that require escalation, we can refer you to public adjusters and attorneys experienced with storm claims in your state. We don't advocate filing fraudulent claims; we do advocate making sure legitimate claims are paid fairly.
Storm Damage Response in Your Market
Free Assessment
After a Storm? We Respond Fast.
Same-day inspection on active leaks. Photo documentation before any tarp. Adjuster meeting at no charge. Repair to claim scope. Local crews, fully insured.