Hail Damage & Roof Insurance Claim Help in Phoenix
After a hailstorm, finding out whether your roof is damaged is only the first step. We inspect and photograph your roof, write a detailed repair estimate, and, with your permission and at no charge, walk the roof with your adjuster and submit supplement requests. Once your insurer decides the claim, we do the repair. You stay in charge of the claim. We handle the roofing side.
- Free inspection with dated photos and a written report, even when the answer is "no work needed"
- Line-item repair estimate with photos and code notes, written only if repairs are needed
- In-house office team that helps you pull together the roofing documents your insurer asks for
Prefer to talk first? Call 480-622-4893
Request a free roof inspection
Four short steps, about two minutes.
What happens after you submit
- Your request goes straight to our office team.
- We call or text to schedule your inspection, usually within a couple of hours.
- An ARC inspector photographs the roof and walks you through what was found and your options.
"I was in need of a new roof due to an extreme hail storm that came through our area... Tasha from The Arizona Roof Co was very professional, answered all of my questions and made the entire process/experience great! ... the workers were here early, worked quickly, and finished the roof in one day, and cleared all debris."Pam B. Google review, January 2026 · hail damage roof replacement
We know the roofing side of an insurance claim
Three different people can be involved in a hail claim, and each one has a different job. Knowing who does what helps you avoid surprises, and it helps you spot a contractor who promises more than Arizona law allows.
Your roofer (that's us)
Works for you on the repair
- Inspects the roof and photographs the damage
- Writes the repair scope and a line-item estimate
- With your permission, at no charge, walks the roof with your adjuster and submits supplement requests for missed roofing items
- Pulls permits, does the work and passes final inspection
The insurance company adjuster
Works for your insurer
- Inspects the damage for the insurance company
- Reviews your policy and the documentation
- Decides what the insurer will cover and pay
A licensed public adjuster
Works for you on the claim
- Represents you in negotiating the claim settlement
- Licensed by the Arizona Department of Insurance and Financial Institutions
- Usually paid a percentage of the claim
Do you need a public adjuster?
Most roof claims don't start with one. Many homeowners file the claim themselves, and we provide the photos, estimate and roofing documentation. A public adjuster can make sense when a claim is disputed, the damage goes well beyond the roof, or the insurer's scope is far from what the roof actually needs. Arizona law doesn't let a roofer negotiate your settlement, so when a claim reaches that point, we can refer you to ReBuilt, a licensed public adjusting firm. Please know ReBuilt is owned by The Arizona Roof Co. You are free to choose any licensed public adjuster, or none at all. Learn more about working with a public adjuster.
You stay in charge of your claim. We handle the roofing side.
Inspect and document
ARC: inspects the roof, takes dated photos of every finding and gives you a written report.
You: book a time and tell us about any leaks or ceiling stains.
Prepare the repair info
ARC: writes a detailed, line-item repair estimate with photos and code notes, if repairs are needed.
You: decide whether to file, and open the claim with your insurer if you do.
Adjuster visit and supplements
ARC, with your permission, at no charge: walks the roof with your adjuster, answers questions about the repair scope and submits supplement requests for roofing items that were missed.
You: stay the decision-maker. Your insurer decides coverage.
Complete the work
ARC: after the claim decision and your signed agreement, pulls permits, completes the work and passes final inspection.
You: choose materials and pay your deductible directly.
If water is coming in now, we can make a temporary repair to stop further damage before any claim decision. Emergency roof repair
What you get from a free ARC roof inspection
Our inspection checks tile, shingles, ridge and hip caps, underlayment, flashing, vents, skylights, gutters and flat or foam roof sections. Then you get:
- Dated photos of everything we find, so the damage is tied to the storm
- A written report on the roof's overall condition
- A written, line-item estimate, only if repairs are needed
- Help from our office team putting together the roofing documents your insurer asks for
- An adjuster walk-through, with your permission and at no charge, if you file
- A plain recommendation, including when nothing needs to be done
Not every cracked tile is storm damage. Age, foot traffic and earlier repairs crack tile too. We'll tell you what we believe is storm-related, and your insurer makes the coverage decision.
Hail damage across the Valley, city by city
Two supercell storms hit different parts of the Valley on back-to-back days. Hail size changed block to block, so the only way to know about your roof is to check it up close. Storm details below are from the National Weather Service in Phoenix.
Chandler, Mesa and Gilbert
Tuesday night, October 20
A supercell moved from Maricopa into Chandler and Mesa with hail 1 to 2 inches across and damaging wind. Most homes here have concrete tile, and we're finding cracked, chipped and slipped tile and loose ridge caps that leave the underlayment exposed. Our Gilbert office is close by, so East Valley inspections are quick to schedule.
Phoenix, Glendale and Tempe
Wednesday afternoon, October 21
A second, more destructive supercell hit Central and North Phoenix and Glendale. Insurance Journal reported golf-ball-size hail and gusts up to 60 mph, with North Phoenix, Glendale, Tempe and Mesa taking the worst of it. On these roofs we're seeing broken tile, bruised and missing shingles, and dented vents and flashing.
Flat, foam and shingle roofs
Anywhere the hail fell
Hail can crack the coating on a foam roof, letting sun and water reach the foam. On shingle roofs it knocks off granules, which pile up at downspouts. On any roof, hail and debris can block drains and scuppers. Some of this damage won't leak until the next rain.
A local team you can reach after the storm
The Arizona Roof Co is based in Gilbert at 1525 S. Higley Road, Suite 104, and works across the Phoenix Valley. The same small team stays with your roof from the first inspection to the final city inspection.
Justin
Roof inspector. Walks your roof, takes the photos and explains what he found.
Damon
Roof inspector. Meets homeowners on site and can walk the roof with your adjuster.
Tasha
Office team. Estimates, scheduling and the roofing documents your insurer asks for.
Laura
Office team. Estimates, scheduling and keeping you updated on next steps.
What Valley homeowners say
"I needed someone fast, and Damon stepped in immediately. He quickly cleared the scuppers to protect us from an impending storm... He's incredibly detail-oriented."Katie K. Google review, Feb 2026
"Great service, came out same day, Justin was awesome. I wouldn't hesitate in using Arizona Roof Co. Friendly and reasonable."Larry B. Google review, Aug 2025
"Crew came on time and completed on time. Cleaned up the trash and hauled it away... I would recommend The Arizona Roof Co. to friends, neighbors, and family."Marsha C. Google review, Feb 2026
Your rights on a storm repair contract in Arizona
Arizona updated its rules for storm roofing work in September 2026 (A.R.S. 32-1158.02). We follow them on every job, and you should expect the same from any roofer you talk to.
- 4 business days to cancel. You can cancel a storm-related roofing contract for any reason within 4 business days of signing.
- 72 hours after a denial. If your insurer denies the claim, you can cancel within 72 hours of being notified.
- No work before the claim decision, except emergency repairs to stop further damage.
- Deposits are capped at 50% of the contract.
- Your deductible is yours to pay. No roofer may pay, waive or rebate it.
- No claim negotiation or coverage promises. A roofer can't act as your adjuster or promise what insurance will pay.
Before you sign with anyone, check their license with the Arizona Registrar of Contractors. More tips: 9 questions to ask a roofer before you sign.
Roof insurance claim FAQ
Does homeowners insurance cover hail damage to my roof in Arizona?
Many Arizona homeowners policies cover sudden damage from hail and wind, but coverage depends on your policy, your deductible and the condition of the roof. Your insurance company makes the coverage decision. Our job is to show clearly what we found on your roof.
Should I call my insurance company or a roofer first?
Either order is fine. Many homeowners book a free inspection first so they know whether there is storm damage before they decide to file. If you do file, you open the claim with your insurer, and we provide our dated photos, written report and estimate.
Can you help with my roof insurance claim?
Yes, on the roofing side. We inspect and document the damage, write the repair estimate, help you pull together the roofing documents your insurer asks for and, with your permission and at no charge, walk the roof with your adjuster and submit supplement requests for missed roofing items. You file and manage the claim, and your insurer decides coverage.
Can you negotiate my claim or cover my deductible?
No. Under Arizona law (A.R.S. 32-1158.02) a roofing contractor may not negotiate a claim settlement for you, promise coverage, or pay, waive or rebate a deductible. If you want someone to negotiate on your behalf, that is the role of a licensed public adjuster. We can refer you to ReBuilt, a licensed public adjusting firm owned by The Arizona Roof Co, or you can choose any licensed public adjuster.
What is a supplement on a roof claim?
A supplement is a request to the insurance company to add roofing items that were missed in the first estimate, such as underlayment, flashing, ridge caps or code-required work found once the roof is opened up. With your permission, we document those items with photos and submit the request. The insurer decides whether to approve it.
How long do I have to report hail damage?
Your policy sets the deadline, and many policies ask you to report damage promptly. Check your policy or ask your agent. Getting the roof inspected soon after the storm also makes it easier to tie the damage to a specific date.
Can I cancel a storm repair contract?
Yes. Arizona law lets you cancel a storm-related roofing contract for any reason within 4 business days of signing, and within 72 hours after your insurer notifies you that the claim was denied.
Is the inspection really free?
Yes. The inspection is free with no obligation. You get dated photos, a written report and a plain recommendation, including when nothing needs to be done. We write an estimate only if repairs are needed.
Not sure if the hail hit your roof?
We'll check it up close, give you dated photos and a written report, and tell you plainly whether you have storm damage. Free, with no obligation.
