Hail Doesn't Always Leave Dents You Can See. It Always Leaves A Claim Window.
Palm Beach County hail events tied to tropical-system bands and severe-thunderstorm cells produce real damage Florida adjusters often question. We document with NOAA hail-swath data and adjuster-ready photos. Free inspection within 48 hours.
Palm Beach County averages a few damaging hail events per year, most tied to severe thunderstorm cells off the Gulf or strong tropical-system bands rolling in from the Atlantic. Florida adjusters scrutinize hail claims more aggressively than wind claims because hail is less common in the FL claim narrative — that scrutiny is the exact reason documentation quality matters most here. We pull NOAA hail-swath data for your specific zip code on the storm date, photograph every chalk-circled impact on shingles or tile, document soft-metal corroboration (AC condenser fins are the most reliable hail-impact evidence in FL because they're visible damage adjusters can confirm without climbing), and produce a written scope in language Palm Beach County adjusters have approved. The scope is yours — you decide whether to file. Florida statute (§ 627.70132) caps the residential storm-claim filing window at 1 year from the date of loss on policies issued or renewed after 2023. We do not adjust, negotiate, or accept assignment of benefits. Florida License CCC #1337163.
NOAA hail-swath data pulled for your Palm Beach County zip code on every inspection
Soft-metal corroboration documented separately (AC fins, gutter aprons) — adjuster-friendly proof
Free 30-90 minute inspection — no AOB, no deductible absorption, no Fla. § 489.147 violations
Hailstones larger than a dime compress the asphalt mat under the top granule layer. The shingle looks fine from the yard but the waterproofing layer is fractured. Within 6 to 18 months, the exposed asphalt weathers and leaks follow. Catching it inside the claim window is the difference between an insurance-paid replacement and a full out-of-pocket rebuild later. Call (443) 895-0373 and we'll confirm the damage in 30 minutes.
Adjusters reject vague claims. We build a paper trail that survives carrier scrutiny.
Every policy has a filing window and most storm-claim windows are tight. Florida law caps new claims at 1 year from the storm date (18 months for supplements). Maryland policies vary but most expect prompt reporting. After the window closes, the damage is typically reclassified as wear-and-tear.
Once hail strips the granules, the asphalt mat is exposed to UV and rain. Unprotected asphalt weathers faster than protected asphalt. What looks minor today becomes a leak point inside 12 to 18 months.
Carriers now use aerial imagery to flag aging or hail-hit roofs at renewal. Un-repaired hail damage gives them an easy reason to non-renew.
Every question homeowners ask before letting a contractor near their roof or their insurance policy. Don't see yours? Call us. We'll give you a straight answer in two minutes.
Talk to a project manager, not a call-center. We follow up quickly.
Post-2022 Florida policies cap new storm claims at 1 year from the date of loss (18 months for supplements on existing claims). Hail bruising and lifted shingles let water into the underlayment for months before you ever see a ceiling stain. By the time the leak shows, your filing window is often closing, and the carrier reclassifies the damage as wear-and-tear, which is not covered. A free inspection now is the difference between a claim-funded replacement and an out-of-pocket rebuild later.
Free inspection · No obligation either way
Free inspection. No obligation. Serving West Palm Beach and surrounding Palm Beach County.
