Hail
Bruised shingles
Hail knocks granules loose and bruises shingles, which ages them faster and leads to leaks months later. Inspectors circle each hit in chalk and count them inside a 10 × 10 ft test square.
Home / Insurance Claims
Storm damage and insurance claims
Hail and wind can damage a roof without leaving anything you can see from the ground. We inspect for free, document the damage, and work alongside your insurance company from the first inspection to the finished roof.
What to look for
Not all storm damage is obvious
Wind
Creased and missing shingles
High winds break the seal under shingles, crease them and tear them off, leaving nails and underlayment exposed to rain and sun.
Water
Hidden leaks
Once water gets under a damaged shingle, it runs along the decking and rafters, rotting wood and causing mold. The stain is often far from where the leak starts.
Debris
Impact damage
Falling limbs puncture and crack shingles and scrub off granules. Small damage becomes big damage in the next storm.
From our inspections
Real storm damage we've found in Central Ohio
Every photo here comes from one of our own inspections. We mark each hit in chalk so it shows up in photos and your adjuster can see it clearly.
The process
How an insurance claim works with us
Free inspection
We inspect the roof, gutters, siding and soft metals and photograph every sign of damage.
An honest answer
If the damage isn't worth a claim, we tell you. A claim should only be filed when it makes sense for you.
You file the claim
You open the claim with your insurance company. We give you our photo report and explain what to expect.
Adjuster meeting
We meet your adjuster at your home, walk the roof together and point out the damage we documented.
Your new roof
Once approved, we schedule your install. You pay your deductible, and we provide the invoices and completion photos your insurance company needs.
Lifetime Roofing is your roofing contractor, not a public adjuster. You file the claim with your insurance company; we provide the inspection, documentation, adjuster meeting and roofing work. We work with all major insurance companies, including State Farm, Allstate and Liberty Mutual.
Don't wait
Storm claims have deadlines
Most homeowners policies set a time limit for reporting storm damage, and hidden damage gets worse with every rain. If a hail or wind storm came through your neighborhood, get your roof looked at soon, even if it looks fine from the driveway.
- Free inspection, no obligation
- Photo report you can keep
- Upgrades available: move up to a Class 4 shingle for the difference in cost
Dates of loss
Recent Central Ohio hail and wind storms
Not sure when the storm hit, or weren't home? These are some of the most recent major storms. Not every storm is listed, so before you file we pull a storm report for your exact address.
TuesdayAugust 11, 2026
Wind
82 mph gust at John Glenn airport; 90 to 100 mph winds in Upper Arlington
Tuesday morning storms brought destructive straight-line winds and a tornado to the Columbus area. If your home was in the path, your roof may have damage you can't see from the ground.
See storm detailsSaturdayJune 6, 2026
Hail + wind
Hail up to 1.75 inches and downburst wind damage north of Columbus
Severe storms on Saturday, June 6 hit northern Franklin County and southern Delaware County hardest, with hail over an inch and damaging downburst winds.
See storm detailsWednesdayApril 22, 2026
Hail
Quarter to half-dollar hail across north and west Columbus
Wednesday thunderstorms dropped quarter-size and larger hail across the northern and western suburbs of Columbus.
See storm detailsQuestions
Insurance questions
Will filing a claim raise my rates?
That depends on your insurance company and policy, and your agent is the best person to ask. Storm claims are generally treated differently from claims caused by neglect, but we can't promise what your insurer will do.
What if my claim is denied?
We'll go over the adjuster's report with you. Sometimes a re-inspection is appropriate; sometimes the damage simply isn't there. If a repair or replacement still makes sense, we'll give you a regular estimate and financing options.
Do I have to use the contractor my insurance company suggests?
No. You choose who works on your home.
Is storm damage covered by your workmanship warranty?
No. Our 5-year workmanship warranty covers our installation. Damage from hail, wind or fallen trees is an insurance matter.
Free storm inspection
Had a storm come through?
Pick a time for a free storm damage inspection. One of our reps will check your roof, gutters and siding, photograph everything, and tell you honestly whether a claim makes sense.
- Call or text(614) 602-7644
- Emailinfo@lifetimeroofingus.com
- Office hoursMonday–Friday, 9am–5pm
Request a call back
Prefer we call you to schedule? Send your details and we’ll reach out within one business day.
Book your free inspection
For storm damage, hail or a leak. Pick a time that works for you and you’ll get a confirmation email right away. One of our reps will come out to your home.
Calendar not loading? Open the booking page
No time that works? Call (614) 602-7644 or send us a message and we’ll find one.