Storm damage: usually yes. Old age: usually no. The difference is documentation — and the inspection that produces it is free.
Serving Tucson · Phoenix · and everywhere in between
Takes 30 seconds · No obligation
Has your roof been hit by a storm in the last 60 days?
How old is your roof?
What have you noticed?
Tap all that apply.
Pick at least one — "Nothing yet" is fine.
Do you own the home?
This program is for homeowners — the inspection and any insurance claim go through the property owner. If the roof worries you, it's worth passing along to your landlord: the documented inspection is free and protects them (and your ceiling).
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Arizona ZIPs only (85xxx / 86xxx).
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Pick a time Arizona time · 8 AM – 8 PM
Inspections take 30–60 minutes. We need 24 hours' notice, so the earliest slot is tomorrow.
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Who's the inspection for?
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1A few quick questions — where the roof is and what happened. Takes about a minute. That's all the shopping you do.
2We do the searching for you: your request goes to the licensed local roofer best suited to your exact situation, and they inspect and document everything — free.
3If the damage qualifies, your roofer helps you through the claim so your policy pays for the work — you're typically only out your deductible.
No calling five roofers for quotes. Tell us once, and we place you with the licensed, insured local contractor best suited to your roof — not a national call center.
The inspection costs nothing and you're never obligated to file a claim or hire anyone.
Monsoon and hail claims are documentation games. Our partner roofers photograph and document everything before you decide anything.
Most homeowners hear from a roofer within minutes during business hours — always within one business day.
Arizona monsoons bring 60+ mph microbursts, wind-driven rain, and hail — exactly the kind of sudden storm damage homeowners insurance exists for. But damage that sits unrepaired can be denied later as "neglect." A free documented inspection now protects your claim either way.
100 severe thunderstorm warnings in Arizona in the past 30 days — the most recent today (National Weather Service).
Homeowners insurance is built for sudden, accidental damage, and Arizona's monsoon season delivers exactly that: 60 mph outflow winds, hail, and wind-driven rain. What it doesn't cover is a roof that simply wore out. The trouble is that from the driveway the two look the same — and a ten-minute adjuster visit can land on "wear and tear" when the real cause was the July storm.
That's why "does my insurance cover this?" starts with a documented inspection, not a call to your insurer. A licensed local roofer photographs and measures the damage, ties it to a storm date, and tells you plainly whether it looks claim-worthy. If it does, you file with evidence. If it doesn't, you've lost nothing and you know what the roof actually needs. RoofQuotes.Shop isn't an insurance company or adjuster and doesn't decide coverage — your policy and insurer do — but the inspection is free, and it's the step most claims are won or lost on.
Standard Arizona homeowners policies cover roof damage caused by a sudden event — wind, hail, a monsoon microburst, falling debris. When that damage is widespread enough that repair isn't practical, insurers often pay for full replacement, minus your deductible and depending on whether your policy pays replacement cost or depreciated cash value. Damage from age, neglect, or wear and tear is not covered.
It depends on why the roof is leaking. A leak caused by storm damage — wind-lifted shingles, tile cracked by hail — is typically covered, often including the interior water damage. A leak from a worn-out roof usually isn't. An inspection that documents the cause is what decides which one you have.
Document first, file second. Have a licensed roofer photograph and measure the damage and tie it to a storm date, then file the claim with that documentation and be there for the adjuster's inspection. Claims fail most often on thin documentation, not on the policy language.
Call the claims number on your policy or file online, give the storm date and a description of the damage, and schedule the adjuster's visit. Have your inspection photos ready and, ideally, your roofer on site when the adjuster comes. Most policies require you to file within a set time after the storm — often a year or two, sometimes less.
Age alone doesn't disqualify a storm claim, but it changes the math: many insurers pay older roofs on an actual-cash-value basis, meaning depreciation comes off the payout. A documented inspection tells you whether the damage is storm-caused before you find that out the hard way.
Every policy is different, but storm damage is generally treated as a no-fault "act of God" claim, not like an at-fault car accident. And that's exactly why we start with an inspection: you only consider filing if there's real, well-documented damage worth claiming.
That's the whole point of the shop: you tell us about your roof once, and we do the searching. We match your exact situation — damage type, insurance status, location — with the licensed, insured local roofer best suited for it, and they reach out to you directly.
Tucson and Southern Arizona, the Phoenix metro area, and the corridor in between — Casa Grande, Eloy, Coolidge, and surrounding communities.
60 seconds. Free inspection. No obligation.
