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Hail Damage

Hail Damage | Roof Repair in Kansas City | Insurance Steps & Hidden Damage Checklist

By Blog

When a Kansas City hailstorm sweeps through, the obvious dents and missing shingles aren’t the only problem. Water can travel under lifted tabs, saturate underlayment, and sneak into attic framing. The sooner you document, stabilize, and get a professional inspection, the better your claim—and your roof—will fare.

At First Call Restoration, we’re locally owned and operated with “deep roots in the Kansas City community,” bringing “decades of experience, cutting-edge equipment, and industry-certified training” to every storm call. We start with a free inspection and estimate and provide an honest and detailed scope of work, guiding you “through every step.”


Fast game plan (first 24 hours after hail)

  1. Photograph everything—safely. Take wide shots of slopes, close-ups of bruised shingles, dented gutters/downspouts, and soft-metal hits (vents, flashing).

  2. Check the attic. Look for daylight through decking, fresh water staining, or damp insulation.

  3. Protect openings. If shingles are missing or flashing is compromised, ask us about emergency tarping/board-up to prevent further damage. Our mitigation process is built to “limit and reduce further damage” while preparing for full repairs.

  4. Create a simple inventory. Note rooms that show new stains or drips; keep a folder for dates, times, and weather details.

  5. Call us before filing. A well-documented contractor inspection helps you submit a cleaner claim from the start.

24/7 help across the KC metro: 816-804-0154 (MO) or 913-909-0142 (KS).


What our “storm, wind, and hail damage repair” visit includes

  • Exterior assessment: Roof slopes, ridge caps, valleys, soft metals, gutters, siding, windows, and fences for impact patterns.

  • Roof system check: Shingle bruising, granule loss, fractured mats, lifted tabs, compromised seal strips, flashing and boot damage.

  • Attic & interior scan: Decking penetration, wet insulation, ceiling staining, wall moisture mapping, potential microbial risk if water intruded.

  • Claim-ready documentation: Photos, slope-by-slope findings, and a detailed scope of work aligned to insurer expectations.

  • Next steps: Temporary protection (if needed) and a plan for restoration, i.e., the “physical reconstruction of the property,” handled by one accountable team from start to completion.


Hidden hail damage most homeowners miss

  • Granule displacement in valleys: Looks cosmetic, but exposes asphalt to UV, accelerating failure.

  • Flashing hairline bends: Minor dents on step/apron flashing can break the seal under wind load later.

  • Ridge cap fractures: Impacts at the highest points often split caps before field shingles show it.

  • Underlayment perforations: Hail that doesn’t break shingles can still bruise felt/synthetic layers.

  • Gutter system stress: Dented troughs and loosened hangers change water flow, pushing runoff behind fascia and into soffits.

  • Skylight seals & frames: Micro-cracks lead to seasonal leaking, not necessarily the next day.


Insurance steps that keep your claim moving

1) Start with evidence, not assumptions.
Submit your photos and our written findings with dates and the storm event. This establishes a clear cause (hail) rather than wear.

2) File promptly, then schedule the adjuster meeting.
We meet adjusters on site, walk slopes together, and compare observations. Having a contractor there ensures damaged but subtle components (flashings, ridge, vents) aren’t overlooked.

3) Understand ACV vs. RCV.
Many KC policies pay Actual Cash Value first, then release Recoverable Depreciation after work is completed and invoiced. We help you navigate the paperwork and timing so out-of-pocket surprises are minimized.

4) Keep everything in writing.
Estimates, scope changes, material selections, and color choices all belong in the file. We provide an honest and detailed scope of work you can forward directly to your carrier.

5) Choose a restoration partner—not just a roofer.
A hail claim can involve roofing, gutters, windows, interior drywall/paint, and sometimes flooring if leaks occurred. Because we’re full-service mitigation and restoration, we coordinate the entire project instead of leaving you to juggle multiple vendors.


Repair vs. replacement: how decisions get made

Insurers typically weigh:

  • Extent and distribution of impacts: Random, directional, or slope-specific.

  • Roof age and prior condition: Documented maintenance matters.

  • Functional damage: Loss of watertightness or material lifespan reduction.

  • Building code requirements: Decking, underlayment, ice/water shield, ventilation, and flashing upgrades if code mandates them.

Your First Call estimator will present a clear, line-item scope and, where necessary, code documentation to support replacement rather than patchwork. If your carrier approves replacement, we’ll help you select manufacturer and profile (e.g., Class 3/4 impact-resistant options) that fit budget and future resilience.


Our process: from mitigation to restoration

  1. Free inspection & estimate. We assess the roof and exterior systems and deliver a detailed scope of work.

  2. Mitigation & stabilization (as needed). 24-7/365 on-call response to secure the structure and reduce further damage.

  3. Insurance coordination. We share findings with your adjuster, meet on site, and align on quantities and code items.

  4. Material selections & schedule. You’ll get a start date, projected timeline, and daily communication touchpoints.

  5. Build phase. Tear-off, deck review, underlayment, flashing, shingles, ventilation, and accessory replacements (gutters, downspouts, screens) as approved.

  6. Final walkthrough & documentation. Photos, warranty info, and completion paperwork for your claim.

Because restoration is the physical reconstruction of the property, our team manages everything “from day one to completion,” so you’re not left coordinating trades during an already stressful time.


KC homeowner checklist: quick hail assessment

  • ☐ Dents on downspouts, fascia, and mailbox—easy proxies for roof strikes

  • ☐ Granules in gutters or at downspout splash blocks

  • ☐ Shingle edges lifted or creased; tabs missing after the wind that followed hail

  • ☐ Attic damp spots, musty odor, or daylight through decking

  • ☐ Ceiling rings or new wall hairlines after the storm

  • ☐ Window screens torn or pitted; beading cracks on vinyl windows

If you check two or more boxes, schedule a no-obligation inspection. We’ll determine whether you’re looking at minor repairs or a claim-worthy event.


Why Kansas City chooses First Call after hail

  • Local, family-owned team with 24-hour response for storm damage across the metro, followed by complete repairs and rebuilds.

  • Start-to-finish support: mitigation, detailed scopes, insurance coordination, and licensed reconstruction.

  • Clear communication, photo documentation, and respectful crews that protect landscaping and clean thoroughly.


Ready for a fast, thorough hail assessment?

Call the Missouri line 816-804-0154 or the Kansas line 913-909-0142 any time—we respond 24-7/365 with trained storm technicians and the cutting-edge equipment your home deserves. We’ll provide a free inspection and estimate, then deliver an honest and detailed scope of work so you can move forward with confidence. FIRST CALL, Your Last Call.