Hail damage to shingles, metal & siding
Hail bruises shingles and dents metal roofing, siding, gutters, and vents — damage that’s easy to miss from a ladder, and common on Kansas metal-roofed barns and shops. We document every slope.
Hail, wind, or a fallen tree damaged your roof, and the insurer approved a patch, called the damage cosmetic, blamed wear and tear, or held back depreciation. We review Kansas roof and hail claims statewide when a claim is denied or underpaid. Free claim review.
Why roof claims stall
Kansas gets hail every year, from spring storms through late summer. On September 3, 2025, storm reports put hail at up to 2.75 inches near Wichita, and Sedgwick County ended 2025 with the largest share of the state’s storm-claim payouts. After a big storm, adjusters move fast and roof damage gets missed.
You don’t have to accept the first estimate. For property policies covering hail, Kansas law provides for attorney’s fees when you win a judgment on your policy, and Kansas rules set deadlines for how fast your insurer has to respond. We bring an independent inspection and press for the real cost.
"Within two weeks of hiring them, the adjuster came back out. Within two months, my claim was paid in full, about 4× what the carrier originally offered."— Marcus T. · Wind Claim
Roof claims we handle
Whether your hail damage insurance claim was denied, cut to a repair, or stuck in review, we can help — on homes, businesses, barns and outbuildings.
Hail bruises shingles and dents metal roofing, siding, gutters, and vents — damage that’s easy to miss from a ladder, and common on Kansas metal-roofed barns and shops. We document every slope.
Straight-line winds lift tabs, break seals, and tear shingles and metal panels away. Creased shingles can look fine but no longer hold. We show the damage the carrier didn’t count.
“Cosmetic” and “old roof” are common reasons hail claims get cut. Some policies exclude cosmetic damage, and age and storm damage aren’t the same. We tie the damage to the storm date and read the exclusion before you accept it.
Carriers often price a repair, or a few slopes, when the roof needs replacing. If new shingles can’t match, a patch leaves a visible mismatch. Whether matching is owed depends on your policy’s wording; Kansas has no matching statute.
Some Kansas policies pay only actual cash value on older roofs, and some let the insurer depreciate labor as well as materials. What yours does depends on its wording. On a replacement-cost policy, the depreciation held back is often recoverable once the roof is replaced. We check the math.
Water that came in through storm damage ruins ceilings and drywall, and a tree through the roof adds framing and debris costs. The claim should cover the inside too, and the barns and outbuildings your policy covers.
Kansas roof claim guide
Every roof claim turns on its own policy and facts, so treat this as general information, not legal advice.
Keep dated photos of bruised shingles, creased tabs, and dented gutters, vents & flashing; the storm date and local hail reports; any pre-storm roof photos; and an independent inspection of every slope, not just one.
On a replacement-cost policy, the first check is often actual cash value — replacement cost minus depreciation. The holdback is usually recoverable once the roof is replaced, within the policy’s time limits. Some Kansas policies pay only actual cash value on older roofs, so check your roof endorsements.
Whether you get matching shingles or siding depends on your policy’s “like kind and quality” wording; Kansas has no matching statute. Whether matching shingles are still made matters too.
Many Kansas policies carry a separate wind/hail deductible, often a percentage of the dwelling limit rather than a flat amount. On a hail-damaged roof it can take a large share of the first check. Your declarations page controls, so check it before accepting the insurer’s math.
Kansas rules (K.A.R. 40-1-34) require your insurer to acknowledge your claim within 10 working days. Your insurer generally must finish investigating within 30 days, or send you written status updates every 45 days.
Kansas’s general deadline to sue on a written contract is five years, but your policy may require you to sue within one or two years of the loss. Your insurer must tell you at least 30 days before a policy or legal time limit runs out.
For property policies covering fire, tornado, lightning or hail, Kansas law also provides for attorney’s fees when you win a judgment on your policy (K.S.A. 40-908). Fees depend on the judgment, so they aren’t automatic.
You can file a complaint with the Kansas Department of Insurance. It can press your insurer for a response, but it can’t value your claim.
Roof claim checklist
Check these before you sign a release or book a patch job.
Stay off the roof. From the ground, photograph each slope you can see, plus gutters, vents, siding, and hailstones beside a coin. Keep the estimate, every letter, roofer quotes, and repair receipts.
Which slopes did you inspect? Why a repair, not a replacement? Why is this damage cosmetic or old? How much depreciation was held back, and how do I recover it? Which deductible applies? Get answers in writing.
Get your own inspection if the estimate covers only a few slopes or calls fresh damage cosmetic or wear and tear. Call a lawyer before signing a release or accepting a “final” payment, or if a policy deadline is near.
Why Kansas homeowners call us
We never represent insurance companies.
So there’s no conflict when we tell an adjuster the roof needs replacing.
We never work for carriers, so when we dispute a wear-and-tear denial, the insurer knows we have no relationships to protect.
We work on contingency — no fee unless we win, with no retainer or hourly bill. If there is no recovery, you owe no attorney’s fee, but you are still responsible for case costs and litigation expenses. We explain fees and costs in writing first.
We review Kansas roof claims statewide by phone and video, and accepted Kansas cases are handled by a Kansas-licensed attorney.
Kansas claims
Property People Law is now reviewing Kansas roof and hail claims. Our team reviews each claim, and accepted Kansas cases are handled by a Kansas-licensed attorney. Reviews are by phone or video.
Daniel Ilani, licensed in Florida and Illinois, is the Property People Law attorney responsible for the content of this page.
The firm’s main office is at 80 SW 8th Street, Suite 2590, Miami, FL 33130. We don’t have a Kansas office yet. Call (844) 776-7364.
Wichita, Derby, Andover, Overland Park, Olathe, Lenexa, Kansas City, Topeka, Lawrence, Manhattan, Salina, Hutchinson, Emporia, Garden City, Dodge City and Hays, plus farm and ranch buildings statewide. If the roof is in Kansas, we can review the claim.
Our process
We handle the adjuster, the inspections, and the paperwork.
Free and confidential. Send the declarations page, the adjuster’s estimate or denial letter, and your roof photos.
Independent roofers and engineers inspect every slope, document what the carrier missed, and price a proper repair or replacement, including matching and interior damage.
We send a documented demand showing what the roof claim is worth and where the estimate falls short. Many disputes resolve here, and we explain appraisal if it fits.
If the carrier still won’t pay what the policy owes, a Kansas-licensed attorney can file suit in Kansas state or federal court.
Past results
Every claim is different. These are recoveries our attorneys obtained for policyholders after a lowball offer or wrongful denial.
These results were obtained for clients in other states, not in Kansas. Prior results do not guarantee a similar outcome. Each case is evaluated on its specific facts and policy terms.
What clients say
"I was about to accept $11,000 from my carrier for a roof I'd been quoted $38,000 to replace. Property People Law got me $46,500 and handled the whole thing. I literally never spoke to the adjuster again."
"They were calm, clear, and didn't talk down to me. Within a day I knew what my options were. Six months later my house was actually fixed, not patched."
These client experiences come from clients in other states, not in Kansas, and describe individual results. Prior results do not guarantee a similar outcome; every claim turns on its own facts.
Roof & hail claim questions
Usually, yes. Most Kansas homeowners policies cover sudden hail and wind damage to the roof. Disputes tend to be about how much damage there is, whether this storm caused it, whether it’s “cosmetic,” and whether a replacement is owed.
It depends on how far the damage runs, whether a proper repair is possible, and your policy. If damage covers much of the roof, or shingles can’t be patched well, a replacement may be owed.
Ask for the inspection report and photos behind it, and compare them with the storm date, hail reports, and an independent inspection. Some policies exclude cosmetic damage, so read the exact wording. Age doesn’t explain fresh hail bruises, so a blanket wear-and-tear denial is worth challenging.
Many replacement-cost policies pay actual cash value first — replacement cost minus depreciation — and hold back the rest until the work is done. Some Kansas policies pay only actual cash value on older roofs. Your wind/hail deductible comes out too.
Check your policy’s loss settlement section. It usually requires you to replace the roof and claim the holdback within a set time, often with an invoice. Ask in writing and keep copies.
Whether you get matching shingles or siding depends on your policy’s “like kind and quality” wording; Kansas has no matching statute. Facts like whether matching shingles are still made matter too.
Some Kansas policies let the insurer depreciate labor as well as materials. What yours does depends on its wording, especially how it defines actual cash value and any roof endorsement.
Often, when wind or a storm brings it down on your home or a covered building. Coverage usually reaches roof and structural repairs, interior water damage, and some debris removal, subject to policy limits.
Kansas rules require your insurer to acknowledge your claim within 10 working days. Your insurer generally must finish investigating within 30 days, or send you written status updates every 45 days.
Kansas’s general deadline to sue on a written contract is five years, but your policy may require you to sue within one or two years of the loss. If your loss was in 2025, a one-year limit may already have passed, so check your policy now.
Sometimes. For property policies covering fire, tornado, lightning or hail, Kansas law also provides for attorney’s fees when you win a judgment on your policy. Fees depend on the judgment, so they aren’t automatic.
We work on contingency — no fee unless we win, and no retainer or hourly bills. If there is no recovery, you owe no attorney’s fee, but you are still responsible for case costs and litigation expenses. The first review is free.
Not yet. We review Kansas roof claims by phone and video statewide, and accepted Kansas cases are handled by a Kansas-licensed attorney.
Free roof claim review
Roof insurance claim denied or underpaid? Send us the estimate or denial letter, and our team will tell you straight whether it’s worth disputing. Accepted Kansas cases are handled by a Kansas-licensed attorney. Free, confidential, no obligation. We don’t handle car or auto accident claims.