Hail Damage Roof Repair in Michigan — We Handle the Insurance Claim
Hail is one of the most common reasons Michigan roofs are replaced. The damage is easy to miss and easy to under-scope. This page explains the signs, the claim steps, and what 800 New Look handles with your adjuster.
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Signs of Hail Damage
Michigan hail rarely punches a clean hole through an architectural shingle. It bruises the mat. In raking light those bruises look like dark circles or fractures in the asphalt — dented or bruised shingles where granules have been knocked off. Granules collect in gutters and at downspout outlets. If you see grit in the driveway after a storm, the roof lost surface, not just dirt.
Look beyond the shingles. Dented gutters, downspouts, and metal flashing are a reliable tell; soft aluminum shows impact even when the roof looks intact from the street. Cracked or split shingles on the windward slope often travel with hail. Damaged window screens and sills, plus dented AC condenser fins, confirm that ice actually hit the property. Ridge vents, turbine vents, and pipe boots crack or flatten. Those accessories are part of the claim; they are not cosmetic extras.
Cracked or missing tabs often appear after the seal strip is broken by impact and wind lifts the shingle. Ice and the next rain then finish the leak. We inspect all four elevations plus the accessories because an adjuster who only walks the front will miss the slope that actually failed. Farmington Hills, Novi, Troy, and lakeshore homes in our five-county area all show the same pattern after a cell — it is the photo set that changes the settlement, not the story you tell on the phone.
How a Michigan Insurance Claim Works
A claim is a sequence, not a single phone call. Homeowners who skip the inspection or the adjuster meeting leave money on the table and still have a leaking roof. This is the path we walk in Oakland, Macomb, Livingston, Wayne, and Monroe counties.
- 01
Storm hits
Document damage immediately with photos from the ground and any safe vantage point.
- 02
Open the claim
Call your insurance company to open a claim and get a claim number.
- 03
Adjuster visit
The adjuster visits to assess damage on the roof and accessories.
- 04
We meet the adjuster
800 New Look meets the adjuster on-site to advocate for full coverage.
- 05
Claim approved
Once the claim is approved, we schedule and complete the repairs.
- 06
Final inspection
We complete a final inspection and sign-off so the job and the file are closed cleanly.
Insurance Terms Explained Simply
ACV (Actual Cash Value): What your roof is worth today, accounting for depreciation. Older roofs get less.
RCV (Replacement Cost Value): The full cost to replace your roof with new materials. Better coverage.
Deductible: The amount you pay out of pocket before insurance covers the rest.
Recoverable Depreciation: The difference between ACV and RCV — you can often recover this after repairs are complete.
We cannot change your deductible. We can make sure the loss is measured so you are not paying a deductible against an under-scoped repair. The first check is often ACV. That is not the final number on a replacement-cost policy — it is the starting payment. On an RCV policy, recoverable depreciation is typically released after the work is done and invoiced. We complete the approved repairs, send the carrier the invoice, and help you request that second payment. If your policy is ACV-only, we tell you before materials are ordered so the out-of-pocket number is honest.
What 800 New Look Handles With the Adjuster
We meet the adjuster on-site and point out all damage — bruises, granule loss, dented metal, cracked vents, and interior stains. We provide our own damage documentation and photo report, including measurements for squares, flashing, and code items a Michigan reroof requires: ice-and-water shield at eaves and valleys, underlayment, and ventilation. That package is the scope of loss.
We ensure nothing is missed or undervalued. Hidden deck rot, extra step flashing against brick, or a second layer that has to be torn off often does not show until the job is open. We photograph the additional work and submit a supplement instead of absorbing it or surprising you with a change order you cannot pay. We communicate directly with your insurer throughout the process so those conversations do not land in an email you have to interpret alone.
We help you understand your settlement and next steps: deductible, ACV versus RCV, and when recoverable depreciation is released. Final approval is the last step. The carrier agrees the work matches the policy, you approve the schedule, and we complete the job with a written workmanship warranty. We have done this since 2005 under Michigan Contractor License #2102194664, from Farmington Hills across Oakland, Macomb, Livingston, Wayne, and Monroe counties.
If you are still deciding whether last week’s hail is “enough,” schedule the free inspection. The visit costs nothing. The cost of guessing is a wet attic and a claim that is harder to prove a month later. Call (248) 306-9225 or use the form on this page.