The homeowners didn't know they had damage. Their neighbor's inspection came back positive, so they asked us to look while we were on the street — standard practice after a hail event, and exactly how most Hobson Oaks claims started that month.
We found 40+ impact bruises across the south and west slopes, cracked vent boots, and dented gutters — more than enough for a claim, photographed and mapped slope by slope.
The job, day by day
Free inspection, fully documented
42 chalk-circled impacts photographed, slope map drawn, report delivered same evening.
Claim filed with State Farm
We filed with our documentation attached. The homeowners made one phone call total during this entire project.
Adjuster met on the roof
Our project manager walked the adjuster slope by slope. Full replacement approved on the spot — no second inspection, no dispute.
Tear-off and dry-in
Full tear-off, two sheets of rotted decking replaced (photographed), ice & water shield, synthetic underlayment. Dried-in by 4pm.
Shingles, ridge vent, walkthrough Done
38 squares of Timberline HDZ, new ridge ventilation, magnet sweep, and a final walkthrough with the homeowners.
"Hail took out half our shingles. Summit documented everything, met our State Farm adjuster, and we paid our deductible and nothing else. New roof in three days of actual work."