AlaskaInsurance Appraiser (844) 537-1427

Appraisal service

Roof Damage Appraisal for Alaska Homes and Buildings

Alaska roofs take wind, ice and snow far more often than hail. Whatever the cause, the dispute usually comes down to measurement, matching and how much of the roof needs to be replaced.

Roof types
Shingle, metal, membrane
Causes
Wind, ice, snow, hail
Method
Measured on site

How Alaska roofs get damaged

Hail falls in Alaska, mostly with summer thunderstorms in the Interior, but it is not the main roofing peril here. The claims we see most often come from wind lifting and creasing shingles, metal panels pulling at fasteners, ice dams forcing water under the roof covering, and snow loads deflecting framing. Sliding snow and ice also tear off vents, gutters, chimney caps and satellite mounts.

Common points of disagreement

  • Measurement. Squares, pitch, waste and ridge length are easy to understate. Our free roof area and pitch calculator shows how quickly small errors compound.
  • Repair versus replace. Brittle older shingles may not survive a spot repair. Metal panels may be discontinued in your profile or color.
  • Matching. Whether mismatched sections are acceptable depends on your policy and the facts, and is a frequent appraisal topic.
  • Steep and high roofs. Steep charges, high-roof charges and safety equipment are often missing.
  • Ice and water shield, drip edge and code items. These can add meaningful cost on a full replacement.
  • Seasonal access. Winter work may need snow removal, heat and temporary protection.

Our roof process

We measure the roof on site where it is safe to do so, and use aerial measurements as a cross-check. Every slope is photographed and documented. The resulting estimate lists each component, quantity and price so the carrier's appraiser and an umpire can see exactly what is being claimed and why.

Wear and tear versus storm damageCarriers often attribute roof problems to age or maintenance. That can be a coverage issue rather than an amount-of-loss issue. Appraisal panels in many cases can address causation as part of valuing the loss, but the law varies, so the line between the two is worth discussing with an attorney if it is contested.

Frequently asked questions

Does Alaska get enough hail to matter?

Hail is uncommon compared with the Lower 48, but Interior summer storms do produce it. Wind, ice and snow cause far more roof claims here.

My metal roof panels are discontinued. What happens?

If replacement panels cannot reasonably match, the scope may need to extend further. How far depends on your policy language and the specifics of the roof.

Can you inspect a roof in winter?

Often yes, with care. Snow cover can hide damage, so we sometimes document what we can and schedule a follow-up after melt-off.

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Not sure the number is right?

Send us the carrier’s estimate and your photos. We’ll review them and give you a straight answer.

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