Wind off the lake, hail in June, a pine limb in a February storm. We document the damage from the roof, make it safe the same visit, repair it properly, and give you the written report and flat-rate quote your adjuster needs. We work for you, not the insurer.
Leaking right now? Call and say so. Emergency calls are answered 8 am–5 pm weekdays, weekends by arrangement for a fee. An active leak gets a temporary measure first, then a proper repair once the roof is dry enough to do it right.
Call 250-258-8600Some storm damage is obvious from the driveway. The expensive kind usually is not. If the weather was bad enough to make you look, it was bad enough to be worth a look from the roof.
Whole tabs or strips on the ground, or a bare patch on the roof showing underlayment or plywood. The obvious one, and the one that lets rain straight in.
Courses that got picked up by the wind and dropped back. They look fine from the street, but the crease is a break in the mat and the seal strip is gone. They come off next time.
Wind gets under a plastic vent or a ridge cap first. A missing vent is a hole the size of a dinner plate, straight into the attic.
Hail leaves dents in vents, gutters and flashings you can see, and soft bruised spots in the shingle with the granules knocked off that you cannot. Bruises are where the roof fails in two years.
A storm scours granules off aged shingles. A pile of them after a hailstorm is a sign the surface took a beating, and the UV protection went with it.
Drip edge or fascia metal peeled back at a corner, gutter sections hanging. Wind loads the edge of the roof hardest, and once the edge is open the field goes next.
Pine and cottonwood limbs punch through shingles and sometimes the deck. Even a limb that has been cleared can leave a cracked sheet of plywood under shingles that look whole.
On commercial and flat roofs, wind gets under the perimeter first: peeled edge metal, a lifted corner of membrane, a rooftop unit shifted on its curb. See flat roof repair.
Kelowna’s wind comes off the lake and up the benches, and it arrives in gusts that load one slope of a roof much harder than the rest. Asphalt shingles hold on with a strip of adhesive that seals in the sun the summer they were installed. Once that seal is broken, by age, by heat cycling, or by one gust that lifted the tab and dropped it back, the next gust gets under it and peels the course. That is why storm damage runs in bands across a slope, like the photograph, and why the shingles that stayed on around the bare patch are usually not fine either.
Hail does its damage without taking anything off the roof. It knocks the granules out of the mat in a bruise the size of a coin, which lets UV at the asphalt underneath, and that spot cracks through in a year or two. From the ground a hailed roof looks untouched. Trees do the opposite: obvious damage on top, and cracked decking underneath that nobody sees until the next rain comes through it.
When the Tower Ranch windstorm stripped shingles across the neighbourhood, Castanet spoke to Premium Roofing’s crews as they worked through the repairs. Same crews, same phone number.
Storm damage has a clock on it twice over: the rain that follows the wind, and the window in which the damage can still be tied to the event for a claim.
A bare patch of underlayment or plywood and a band of shingles with no seal strip. Nothing is wet yet. Photographed from the roof today, this is a clear storm claim and a straightforward repair.
Fix now: document, tarp, repair the section
Rain gets through the exposed deck and around the missing vent. Insulation below it gets wet, the ceiling stains, and the damage the insurer is looking at now includes the interior.
Fix now: repair plus insulation and drywall
The unsealed shingles around the original patch go, and the edge metal that was lifted takes the courses above it. What was a section is now a slope. Hail bruises begin cracking through.
Fix now: a slope, not a section
The deck under the open area has been wet all winter and is soft. And an adjuster looking at a roof that has been open for months sees neglect and wear, not a wind event. The claim gets harder at exactly the moment the repair gets bigger.
Fix now: new deck, often a re-roof, likely at your cost
We drew the whole sequence, stage by stage, with the roof section changing as you scroll.
The cost of waitingThe order matters for the roof and for the claim. Evidence first, because a repair destroys it. Mitigation second, because your insurer expects it. Then the permanent repair, with the whole affected area checked, not just the bare patch.
Before anything is touched: dated photographs of every damaged area from the roof, close and wide, plus the surrounding courses, the vents, the edge metal and any hail marks on the soft metals. That goes into a written condition report describing what failed and what it was caused by, which you can hand straight to your adjuster. A repair made before the photographs is a repair the insurer cannot see.
Exposed deck gets a properly secured tarp or peel-and-stick membrane. A missing vent gets covered. Loose edge metal gets fastened down so it does not take the next course with it. Insurers expect you to prevent further damage after a storm, and a documented temporary measure is exactly that, so it is photographed too.
The quote describes the repair in the terms an adjuster works in: what comes off, what goes on, what the deck needs, and the surrounding area that has to be resealed or replaced because its seal strips are broken. Flat-rate, with anything that could move it named up front. If the adjuster writes a scope, we work to it and tell you plainly where we think it is short, because a scope that only covers the bare patch leaves you with a slope that blows off next spring.
Damaged courses come up and any cracked or wet decking is replaced. Underlayment is renewed, vents and caps go back in and get flashed into the courses properly, and new shingles are woven into the surrounding field so the repair does not read as a patch. The shingles around the damage are checked one by one: any with a broken seal strip are resealed or replaced. On a flat roof, lifted perimeter membrane and edge metal are re-secured and re-flashed in matching material.
Photographs of the finished repair, the invoice matching the quote, and a note on anything else we saw up there that the storm did not cause but you should know about. If the adjuster has questions about the roofing side, they can ask us directly. We do not waive deductibles, and we are not anyone’s approved vendor. We work for you.
A section of blown-off shingle, a lost vent or a branch hole on a roof with life left is a repair, and the new material blends into the field.
If the storm took shingles off because every seal strip on the roof had already let go, or hail bruised every slope, or the roof was at the end of its life before the wind found it, patching one band is money spent twice and the insurer may see it the same way. We will tell you which on the first visit, and it goes in the report. Replacements are done by Premium Roofing, same crews and same phone number. How we decide.
We do not quote a roof we have not seen. What moves the number is how much came off, whether the deck and underlayment were exposed to rain, how many of the surrounding courses have broken seals, and access.
What you can count on: the inspection, the photographs and the written quote are free, pricing is flat-rate, and anything that could change the number is named before work starts, not on the invoice. That is also exactly what an adjuster wants to see. Whether the claim is covered, what your deductible is and how depreciation applies are questions for your policy and your insurer, not us.
Tell us what you are seeing and we will come and find out what is causing it. Estimates are free, written down, and honest about whether the roof is worth repairing.
Free estimates • Kelowna, West Kelowna, Lake Country & Peachland
