Hayden Claims Group

Your roof didn’t “just wear out.”
The storm happened.
You file a claim.
Insurance sends their adjuster and we show up with proof.

Here’s our playbook (fast + fierce):

1) Find it.
We sweep every inch—roof, gutters, attic, ceilings. Photos, measurements, moisture readings. If it’s damaged, we prove it.

2) Fix the date.
Wrong or too-narrow date of loss? We pull storm data + on-site evidence and pin it down so valid damage isn’t tossed on a technicality.

3) Nail the cause.
We explain—clearly—that this was sudden & accidental, not slow wear-and-tear. Facts > opinions.

4) Decode your policy.
We hunt the fine print—coverage, exclusions, code upgrades, depreciation, matching, ALE. No “gotchas.” Just what the contract actually says.

5) Teach the claim.
Line by line, we show what proper repairs really take: underlayment, flashing, ventilation, decking, interior. Code & manufacturer specs included.

6) Price it right (here, not online).
Local labor. Local materials. Code-correct scope. No shortcuts today that become leaks tomorrow.

7) Drive it home.
Reinspections, supplements, desk reviews—organized and carrier-ready. If it’s an amount-of-loss fight, we prep for appraisal per the policy.

8) Finish the job.
Final invoice mirrors the approved scope, lender endorsements handled, recoverable depreciation released. Full claim—not half.

Hill Country straight talk. No upfront fee—we only get paid when you do.
DM us for a quick, honest claim check.

Hayden Claims Group — Texas Public Adjusters
TX License #3378204
• Residential & Light Commercial • Texas Hill Country

COSMETIC EXCLUSIONS: the fine print that quietly guts hail coverage on metal roofs

Quick truth: a lot of Hill Country homeowners have a cosmetic damage exclusion and don’t know it. It often gets added at renewal to make the premium look cheaper.

What is it?
It says the insurer won’t pay for damage that only affects appearance—dents, dings, scuffs, finish damage—unless the roof’s ability to shed water is impaired. Translation: your metal roof can be hammered by hail and still get denied as “cosmetic.”

Why agents include it
It lowers the quote. You save upfront… but a hailstorm later can leave you with a $20K–$60K roof bill.

Why metal roofs are at risk
Hail dents can:
• crack coatings → speed corrosion
• deform seams/lock ribs → loosen fasteners over time
• void manufacturer warranties
With a cosmetic exclusion, the carrier can call these “just dents.”

5-minute self-check

Grab your Declarations Page + full Endorsements (not just the dec page).

Look for phrases like: “Cosmetic/Aesthetic Damage Exclusion,” “Roof Surface Cosmetic Damage,” “Metal Roof Cosmetic Damage,” or “Loss Settlement – Roof Surfacing ACV.”

If you can’t find the endorsements, ask your agent for the full policy packet.

What to ask your agent (copy/paste)

“Please confirm in writing whether my policy has any cosmetic or aesthetic damage exclusions for roof/siding and whether my roof is settled at RCV or ACV. I have a metal roof and want full hail coverage, including finish/coating damage. If there’s an exclusion, quote options without it.”

If you already have the exclusion
We work to prove functional damage (not just dents): coating fractures/exposed base metal, seam/rib deformation, fastener movement, punctures, flashing issues, interior evidence—plus manufacturer specs and code items that are still covered.

✅ Free Policy Review

DM us “POLICY” and attach your dec page + endorsements (PDF or clear photos). We’ll check for cosmetic exclusions (and ACV roof settlement) and tell you—plainly—what’s at risk and what options you have.
No pressure, no upfront fee, Texas homeowners only.

Hayden Claims Group — Texas Public Adjusters
TX License #3378204 • Residential & Light Commercial • Texas Hill Country

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Save this and share it with any neighbor who has a metal roof.

Thanks to everyone that helped with the highway clean up yesterday in Harper! Together we gathered 20+ bags full of car parts and beer cans off of the highway on 290.


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