24/7 Emergency Service
Storm, Hail, and Wind Damage Roof Repair in North Carolina
Free storm damage inspections. Insurance claim coordination. Emergency tarping. 24/7 response. AARC is the contractor who walks the roof with your adjuster and fights for every dollar of coverage you are owed.
24/7 Emergency Dispatch
Free Storm Inspections
We Meet Your Adjuster On-Site
Xactimate Documentation
All Major NC Carriers
Emergency Tarping Available
North Carolina Storms Are a Roofing Event
Storm & Hail Damage
North Carolina sits in a meteorologically complex part of the country, exposed to every major category of severe weather the United States produces. The Triangle sees spring and summer thunderstorms with hail on a near-weekly basis from April through August. The coast sees Atlantic hurricanes from June through November. Wind and hail events — the two most common causes of insurance-claim-level roof damage — occur routinely across every part of our service area.
Every year, thousands of NC homeowners discover their roof was damaged by wind or hail after the fact. The damage is often not visible from the ground. A hailstorm that lasted ten minutes can leave bruises in the shingle mat that fail 3–5 years later. A wind event can crease shingles without removing them. Most homeowner’s insurance policies cover this damage — but only if the claim is filed within a defined window and the damage is properly documented in the format the carrier requires.
Above All Roofing & Construction is a specialist in storm-damage restoration. Our leadership has more than a decade of combined experience working directly with insurance adjusters on storm claims. We know Xactimate, we know the line items adjusters miss, and we know the documentation format that triggers strong claim approval. When storm damage occurs in our service area, we are the phone call you make.
Every Category of Storm Damage We Inspect and Restore
Storm Damage Types
From hail bruising to hurricane wind damage, active leaks to tree impact — our storm restoration team handles the full spectrum of weather-related roofing events across the Triangle and coastal NC.
Hail Damage
Hail creates bruises in the shingle mat — soft spots where granules have been knocked loose. Invisible from the ground, clearly visible up close. They fail 3–5 years after the storm. Insurance carriers typically approve replacement for 8+ impacts per test square. We document in full photographic detail including test-square mapping.
Wind & Missing Shingles
Wind damage appears as missing shingles, lifted shingles (adhesive failed but still in place), creased shingles (bent by wind uplift), or flashing displacement. We map wind damage across all slopes and document both obvious and subtle failures — often affecting one exposed slope more than others.
Hurricane & Tropical Storm
Atlantic hurricanes and tropical systems affect our coastal service area regularly — combining high wind, wind-driven rain, storm surge, and falling tree damage. When we replace a coastal roof following hurricane damage, we frequently upgrade to FORTIFIED™ specification to reduce future loss and qualify for insurance premium discounts.
Fallen Tree & Limb Impact
A fallen tree or large limb requires immediate emergency response, tree removal coordination, deck and framing repair where penetrated, and full roof replacement in the affected area. We coordinate the full restoration — including working with tree service companies and insurance adjusters on scope.
Ice Storm & Ice Dam Damage
Hard-winter ice storms produce weight-load damage and ice dam damage at eaves — as melting snow re-freezes and backs water under shingles. We handle both types, with particular attention to upgrading ice-and-water shield coverage at the eaves as part of any replacement to reduce future ice dam risk.
Active Emergency Leaks
When water is actively entering your home — any time of day or night — call our emergency line. We dispatch within 24–72 hours for active situations, provide emergency tarping, temporary repair, and full damage documentation for the insurance claim. On call 24/7/365.
From Storm Call to Final Claim Payment — 8 Steps
Our Restoration Process
Storm restoration is not just a repair job — it is a claims management process. Here is how we handle it from start to finish so you receive every dollar of coverage you are owed.
Free Storm Damage Inspection
We walk the roof, document shingle damage, flashing damage, gutter damage, siding damage, and collateral damage to detached structures. Collateral damage is often a significant part of a storm claim and is frequently missed by inexperienced contractors.
Xactimate Documentation
We document every finding in Xactimate — the industry-standard estimating software that insurance carriers themselves use. Our scope is line-item, with every damaged component identified by location, quantity, and replacement specification. This is what triggers strong claim approval.
Claim Filing Support
If you have not yet filed, we advise on the process. Most carriers allow online or phone filing in under 10 minutes. We recommend filing as soon as damage is confirmed — but not before, because a withdrawn claim can affect your insurance history.
On-Site Adjuster Meeting
We meet your adjuster on-site at no additional charge — walking the roof together, showing every damaged component, providing documentation, and advocating for full scope approval. Our on-site presence typically means 20–40% more approved scope than claims handled without a contractor present.
Scope Negotiation & Supplements
If the adjuster's approved scope is incomplete or underpriced, we file supplements on your behalf — formal amendments adding missing line items, price corrections, or additional damages. Many homeowners leave significant money on the table because they did not know supplements were an option.
Emergency Tarping
If damage is severe enough that the roof is not weather-tight, we dispatch an emergency tarping crew within 24–72 hours. Tarping is typically reimbursed by the carrier as part of the overall claim — we document the emergency service for inclusion in the scope.
Full Repair or Replacement
Once the claim scope is approved and payment is scheduled, we execute the full repair or replacement to manufacturer specification. Materials sourced, permits pulled where required. You pay your deductible — the insurance carrier pays the balance.
Final Claim Closeout
After the work is complete, we provide final documentation to the carrier for release of the depreciation holdback (recoverable depreciation). We handle this paperwork on your behalf so the final claim dollars arrive without you needing to coordinate with the carrier.
Manufacturer-Warrantied Restoration
All storm restoration work is installed to manufacturer specification by our certified crews — no shortcuts because insurance is paying. You receive the same manufacturer system warranty plus AARC workmanship warranty as any standard installation. We were here before the storm and we'll be here for your warranty call two years later.
Why Having AARC at Your Adjuster Meeting Changes the Outcome
What Adjusters Miss
Adjusters carry heavy workloads during storm periods and have limited time on any individual property. They are not roofing contractors — they are trained in claim scope development but do not have the same hands-on field experience. The result is that adjusters frequently miss line items that are legitimately part of your claim.
When we meet an adjuster on-site, we bring documentation, expertise, and knowledge of what they commonly miss. The difference this makes on the final approved scope is often 20–40% — on a $15,000 claim, that is $3,000–$6,000 of coverage that would otherwise have been left on the table. This service is free — we build it into our project pricing.
Code upgrade items
NC code requires new drip edge, ice-and-water shield, and synthetic underlayment on a full replacement — even if the original roof didn't have them. Frequently omitted from initial scopes.
Full roof vs. partial repair
When damage affects 30%+ of shingles, most carriers cover full replacement — a line item adjusters routinely underspecify as partial repair.
Gutter damage
Hail damages gutters. Many adjusters skip gutters entirely when the claim is primarily for the roof.
Gutter guard & downspout replacement
Impact damage to gutter guards and downspouts is frequently omitted from initial claim scopes.
Detached structure damage
Fences, outbuildings, HVAC covers — all potentially claimable and frequently overlooked on initial adjuster walks.
Interior damage documentation
If the roof failure caused interior water damage, it is part of the claim. We help document the chain of causation.
Siding & window collateral damage
Storm events that damage the roof often damage siding and windows simultaneously — often missed when the adjuster is focused only on the roof.
You Pay Your Deductible. We Fight for the Rest.
Storm Claim & Repair Pricing
When storm damage is covered by your homeowner’s insurance policy, your out-of-pocket cost is your deductible — period. We do not charge for our inspection, adjuster meeting attendance, Xactimate documentation, or supplement filing. Our fee is the insurance-approved scope of work for the repair or replacement itself.
We never engage in deductible waivers or “we’ll cover your deductible” offers — this is insurance fraud in NC and we won’t do it. For non-covered storm damage we provide standard line-item repair or replacement pricing at no additional charge for the inspection.
$0
Storm inspection cost
10+
Years insurance claim experience
24/7
Emergency dispatch available
1yr
Typical claim filing window from storm
Three Things That Separate AARC From Storm Chasers
Why Choose AARC
We're Local — We'll Be Here
After every major storm event in NC, out-of-state contractors flood our market, sign contracts, collect deposits, and disappear. We are based in Fuquay-Varina and New Bern. We were here before the storm hit and we will be here for your warranty call two years later.
Xactimate Documentation — Done Right
We document damage in the same software your insurance carrier uses, producing a scope that is immediately actionable and matches what the adjuster's system expects to see. This reduces back-and-forth and dramatically accelerates claim approval.
Manufacturer-Warrantied Work
All storm restoration is installed to manufacturer specification by our certified crews. You receive the full manufacturer system warranty plus our AARC workmanship warranty — the same coverage as any standard installation. No shortcuts because insurance is paying.
Storm Damage FAQ
Frequently Asked Questions
How do I know if my roof was damaged by the recent storm?
Schedule a free inspection. Hail damage is frequently invisible from the ground, and wind creasing and flashing displacement are similarly hard to identify without a trained eye on the roof. We inspect and tell you exactly what we find — at no charge — so you can make an informed decision about whether to file a claim.
Should I file a claim before having an inspection, or after?
Inspect first. Filing a claim and then having it denied or withdrawn can stay on your insurance history and affect future coverage. Get a professional inspection to confirm damage exists, then file with documentation in hand. We can advise on the process once we have completed the inspection.
What if my insurance claim was already denied?
A denial is not necessarily the end. Many claim denials are reversed when proper Xactimate documentation is submitted — particularly when the original denial was based on a ground-level or inadequate inspection. If you have already been denied, call us. We can re-inspect, document, and re-engage the claim.
How long do I have to file a storm damage claim in NC?
Most NC homeowner’s policies have a 1-year window from the date of the storm to file a claim. Some carriers allow longer. Filing promptly after confirmed damage is strongly recommended — documentation is stronger when the storm is recent, and emergency tarping is harder to justify when significant time has passed.
Do I have to use the contractor my insurance company recommends?
No. You have the right to choose your own contractor in NC. The insurance carrier pays the approved scope regardless of which licensed contractor performs the work. We recommend you always choose based on credentials, certifications, and local reputation — not carrier preference.
Can you handle both roof and siding damage from the same storm?
Yes — we are a full exterior contractor. Storm events that damage the roof often damage siding, gutters, and windows simultaneously. We handle all of it under one scope and one claim coordination process, which is typically faster and more complete than working with multiple contractors.
Don't Wait — Claim Windows Close
Got Storm Damage? Schedule Your Free Inspection Today.
Free inspection. Free claim documentation. No pressure. Most NC policies have a 1-year filing window — the sooner we document, the stronger your claim.