Q.01How do I know if hail damaged my roof?
Look for dents in gutters, downspouts, and vents, torn window screens, and granules piled at the downspouts. Shingle bruises are hard to see from the ground, so the reliable check is a hands-on inspection. Ours is free and includes photos of every slope.
Q.02What is a percentage hail deductible?
Some Iowa policies set the wind and hail deductible as a percentage of your home's insured value, often 1 or 2 percent, instead of a flat dollar amount. On a $300,000 home, 1 percent is $3,000. Check your declarations page before the next storm so there are no surprises.
Q.03Does my policy cover cosmetic hail damage?
It depends on the policy. Some newer policies exclude damage that only affects appearance, such as dents in metal, while still covering damage that lets water in or shortens roof life. So our reports focus on functional damage to the shingles, not only dents in metal.
Q.04Which Des Moines neighborhoods and suburbs do you cover?
All of Des Moines, including Beaverdale, Sherman Hill, Drake, Highland Park, and the East Village, plus West Des Moines, Urbandale, Ankeny, Clive, Windsor Heights, Pleasant Hill, Altoona, Johnston, Norwalk, and Carlisle. Buckshot runs its Iowa work from our office in Centerville.
Q.05Should I switch to Class 4 shingles?
In Des Moines it is often worth it. They shrug off hail much better, and certain insurers cut premiums for them. Weigh that discount against the extra 10 to 20% up front, and we will quote each.
Q.06How much does a new roof cost in Des Moines?
Expect $8,500 to $18,000 for most replacements, with an 1,800 square foot house commonly near $12,000 to $15,000 using GAF Timberline HDZ. Class 4 shingles, steep pitches, and decking repairs raise the total. Every estimate is itemized, with 0% financing available through Service Finance Company.
Q.07Can a few hail-damaged shingles be repaired?
Sometimes, if the damage is limited and your shingle is still made in a matching color. Mismatched patches can hurt resale and may not satisfy your policy, so we tell you honestly when replacement is the better call.
Q.08How fast can you get to Des Moines after a storm?
Call (608) 909-9109 day or night. After major hail we handle active leaks first with tarps and photos, then book full inspections in the order calls come in.
Q.09Is siding and gutter damage part of the same claim?
Usually, if the same storm caused it. We document dented gutters, cracked siding, and damaged screens along with the roof, and replace them with seamless gutters and fiber cement or vinyl siding.
Q.10How long does a reroof take?
Most Des Moines homes are finished in one day. We cover landscaping, tear off to the decking, replace damaged boards, install the new roof, and run magnets over the yard and driveway.