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When Minor Repairs Were Not Enough

Brentwood, Tennessee

Wind Damage

Asphalt Shingle

1

The Situation

Following a severe windstorm in Middle Tennessee, the homeowner filed a claim with their insurance carrier. The initial adjuster assessment recommended spot repairs to a limited number of shingles, estimating damage to less than 10% of the roof surface.

2

What We Found

Red Rover Roofing conducted a comprehensive inspection and documented the following conditions:

  • Multiple shingles displayed wind creasing and lifted edges across all roof slopes
  • Seal strips had failed on numerous shingles beyond the carrier’s identified repair zones
  • Several hip and ridge cap shingles showed displacement and granule loss
  • The existing shingle line had been discontinued by the manufacturer, making color and profile matching impossible
3

Why Repairs Were Not Viable

The carrier’s proposed repair scope was not viable for several reasons:

  • The discontinued shingle product could not be matched, creating visible patchwork across the roof
  • Wind damage had compromised shingle seal integrity beyond the areas flagged for repair
  • Spot repairs would leave the homeowner with a functionally inconsistent roof system
  • Manufacturer warranty coverage would be voided by installing mismatched materials
4

The Situation

Red Rover Roofing prepared a detailed supplemental report including:

  • Photo documentation of all affected areas with measurements
  • Manufacturer discontinuation verification
  • Written explanation of why spot repairs would not restore the roof to pre-loss condition
  • Request for re-inspection with a senior adjuster

The Result

After reviewing Red Rover Roofing’s documentation and conducting a follow-up inspection, the carrier approved a full roof replacement under the homeowner’s policy. The claim was settled without dispute, and the homeowner received a new roof system with a full manufacturer warranty.

Homeowner Takeaway

When your shingle has been discontinued, even minor damage can require full replacement to maintain roof integrity and warranty coverage.

Inspection Documentation

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Case studies are provided for educational purposes only. Insurance coverage decisions depend on individual policies, conditions, and carrier determinations. Visible damage or proximity to storm events does not guarantee coverage. A professional inspection is required.