Storm and insurance roof replacement, handled with you.

Storm damage is where most Utah roof claims begin

A large share of the roofs we replace along the Wasatch Front start as insurance claims after a hail or wind event. If your roof took a beating in a storm, you may have far less out-of-pocket cost than you think, and Soleo Home handles the claim side with you from the first inspection to the final payment. We are a roofing company that does storm restoration honestly, which starts with telling you whether you actually have a claim at all.

Here is the part homeowners remember most: when your insurance approves a roof replacement, we take the approved amount and we do not charge you over it. No inflated scope, no mystery upgrade line, no pressure to add work the claim does not cover.

The storms that damage Wasatch Front roofs

Utah does not get hurricanes, but the roofs here take a specific kind of punishment that insurance claims are built around:

Hail

Spring and summer thunderstorms drop hail that bruises the shingle mat and strips away the protective granules. Hail damage is often invisible from the ground, which is why so many homeowners do not realize they have a claim until a roofer gets on the roof and shows them.

Canyon and east winds

The Wasatch Front is famous for violent downslope winds that pour out of the canyons, especially across Davis and Weber counties. These are not ordinary gusts. During the 2011 Davis County windstorm, gusts topped 100 miles per hour and tore roofs, fences, and trees across the northern corridor, and gusts above 100 mph have been recorded repeatedly along the benches over the decades. Wind like that lifts shingles, breaks their seal, and peels tabs off ridges and rake edges.

Winter ice and snow

Heavy snow and the freeze-thaw cycle drive ice dams that force water back under the shingles. Damage from a leak that traces back to a storm event can sometimes be part of a claim as well.

How to tell if you have storm damage

You do not have to climb up and guess. Signs worth a free inspection include:

• Shingle granules collecting in your gutters or at the bottom of downspouts after a hailstorm.
• Dented gutters, downspouts, or metal vents, which often mean the roof was hit too.
• Shingles that look lifted, curled, or creased after a windstorm.
• Missing shingles or exposed underlayment along ridges and edges.
• Water stains on a ceiling or in the attic.

Our free same-day roof inspection documents exactly what the roof looks like, with photos, so you have real evidence before you ever call your insurer.

The insurance claim process, step by step

Filing a roof claim is unfamiliar territory for most homeowners, so we walk it with you:

1. Free inspection and documentation. We get on the roof, photograph the damage, and tell you honestly whether it rises to a claim.
2. You file the claim. You contact your insurer and open the claim. We give you the documentation to support it.
3. We meet your adjuster. We are on site when the adjuster inspects, so the damage we found is the damage that gets recorded.
4. Scope and supplement. If the adjuster misses covered damage or code-required items, we document and submit a supplement so the scope is complete.
5. Replacement and final paperwork. We build the new roof, then provide the final invoice and documentation your insurer needs to release the remaining payment.

Your deductible, and what you actually pay

On a covered claim, your out-of-pocket cost is generally your deductible, and the insurer pays the rest of the approved amount. Be cautious of any contractor who promises to waive or absorb your deductible, because that is insurance fraud in Utah and it puts you at risk, not just them. What we do instead is honest and legal: we hold the price to the approved amount so you are never paying a markup on top of your deductible. If you need help spreading the deductible out, our 0% financing for 24 months can cover it.

Why a local team matters for storm work

After every big Utah storm, out-of-state crews roll in, knock doors, sign as many jobs as they can, and leave. If something goes wrong a year later, they are three states away. Soleo Home is the opposite of that. We are an owner-run Pleasant Grove company that lives and works here year round, so the team that documents your damage and meets your adjuster is the same team that stands behind the roof afterward. When the claim involves solar panels, our detach and reset service handles removing and resetting the array as part of the project.

What we document during a storm inspection

A strong insurance claim lives or dies on documentation, and a glance from the driveway will not build one. When we inspect a storm-damaged roof, we get on it and record the evidence an adjuster actually needs: close photos of hail bruising and granule loss across the field, creased and lifted shingles from wind, damaged ridge caps and rake edges, and the dented gutters, vents, and flashing that corroborate the roof damage. We also note the date of the storm event and tie the damage to it, because a claim needs to show cause, not just wear. By the time you open the claim, you are not describing a problem from memory. You have a documented case.

Supplements and code upgrades on a claim

Adjusters are careful, but they do miss things, and a first estimate is often lighter than the true cost of putting the roof back correctly. When that happens, we document the gap and submit a supplement, which is a formal request for the insurer to cover what the initial scope left out. This commonly includes code-required items like the ice-and-water barrier Utah now mandates at the eaves, proper flashing, and disposal, which an older roof may not have had but which current code requires on the new one. Working the supplement properly is often the difference between a roof that is merely paid for and one that is actually built to today’s standard, and we handle that back-and-forth with the insurer so you do not have to.

What to expect once the claim is approved

Once the claim is approved, the project runs like any of our replacements, with the paperwork handled on your behalf. We schedule the tear-off and install around the weather, protect your property, replace any damaged decking, and build the full system. We provide the final invoice and documentation your insurer needs to release the remaining payment, and we hold the total to the approved amount with no upcharge. Your out-of-pocket cost is generally just your deductible, which our 0% financing for 24 months can spread out if you need it to.

Storm and insurance roofing questions we hear