We work for you. Not the insurance company.
After a hail or wind event, the adjuster has a budget and a deadline. You need someone on the roof with you who knows what a fair scope looks like. That's us.
You have 12 months from the storm in NM.
Most New Mexico homeowner policies require you to file within one year of the storm event. Wait too long and the carrier can deny on timing alone — even with obvious damage. If you think a 2024 or 2025 hailstorm hit you, get an inspection on the calendar this month.
How a claim actually goes.
1. Free post-storm inspection
We photograph and video every slope, flag impact marks, soft spots, lifted shingles, and granule loss. You get the full report — claim or no claim.
2. Adjuster meeting on the roof
We meet your insurance adjuster on-site, walk the damage together, and provide a Xactimate-style scope so nothing legitimate gets missed or undervalued.
3. Honest rebuild — no deductible games
We do the work to code, file supplements if hidden damage shows up at tear-off, and you pay your deductible to your insurer. Eating the deductible is illegal in NM — we won't do it.
Six signs your roof took a hit.
Walk your property after every major storm. Two or more of these and you should ask about a free inspection.
Granules in gutters
Black sandy piles at downspout splash blocks mean shingles are losing their UV armor.
Round bruises on shingles
Soft, dark spots about the size of a dime or quarter — classic hail signature.
Lifted or missing shingles
Even one missing tab can let monsoon water reach the deck within hours.
Ceiling stains after rain
Brown rings on drywall or ceiling tiles. Don't paint over — find the source.
Cracked vent caps & skylights
Plastic accessories crack before shingles bruise — easy ground-level diagnostic.
Bent gutters or AC fins
If hail flattened those, the roof took the same impact.
What insurance typically pays — and doesn't.
Every policy is different. This is the pattern we see on standard NM HO-3 policies.
Usually covered
- ▸Full or partial roof replacement when damage exceeds repair threshold
- ▸Matching siding, gutters, fascia damaged in same event
- ▸Code-upgrade items (ice & water shield, drip edge, ventilation to current code)
- ▸Interior water damage caused by storm-driven leaks
- ▸Detached structures (sheds, pergolas, carports) under most policies
Usually NOT covered
- ▸Pre-existing wear & tear unrelated to the storm
- ▸Cosmetic-only damage on policies with a cosmetic exclusion endorsement
- ▸Damage from sustained neglect (clogged drains causing ponding)
- ▸Anything you fix yourself before the adjuster sees it (always photograph first!)
If you were under any of these, file or check.
| When | Event |
|---|---|
| June 2024 | Hail, 1.5" stones, ABQ NE Heights & Rio Rancho |
| August 2023 | Microburst, 80mph winds, North Valley & Corrales |
| July 2023 | Sustained monsoon, ABQ metro-wide |
| May 2022 | Hail event, East Mountains & Edgewood |
Sources: NOAA Storm Events Database, NWS Albuquerque, and our own dispatch logs.
Rapid-response tarping, day or night.
Active leak right now? Call before water finds your drywall. We'll tarp first and sort the estimate after.
Free storm-damage inspection.
Same-week scheduling across the ABQ metro. We document the damage whether or not you file.