What does commercial hail damage repair cover?

Damage assessment and repair on low-slope and metal commercial roofing systems (TPO, EPDM, modified bitumen, standing seam metal, aggregate-surfaced built-up), documented against the storm event that caused it. The scope is written from the survey rather than from a checklist.

What is different about a commercial hail claim?

Two things mainly. The insurer usually expects a document file with the physical damage and the meteorological event tied together, and the below-membrane condition often matters as much as the visible surface. Both of those are more involved than on a residential claim.

What are the two halves of the evidence?

Physical damage on the roof, and the meteorological record of the storm that caused it. The insurer will match one against the other, so the claim needs both. A file with damage but no storm is a claim without a cause. A file with a storm but no damage is a claim without a loss.

How do you find the storm event?

The NOAA Storm Events Database and the NWS Slidell local storm reports are the two primary sources. Both are free to search, both cover Jefferson Parish, and both name date, time, hail size and storm track. What the insurer will check against, we pull first.

Do I need a core cut to prove damage?

The visible surface documents the surface damage. The below-membrane condition (whether the insulation took damage or is now wet) is a separate question and it decides scope. The moisture survey and core cut method live on the commercial roof inspections page. Whether cores are worth cutting on a given roof is agreed with the manufacturer first, because a core cut is destructive.

Can hail damage void my membrane warranty?

Impact damage itself is usually excluded from a system warranty, and the warranty issuer decides its own position on that. Cutting a core to prove or disprove damage is a separate question, and the number of cores and the method are agreed with the manufacturer beforehand so the survey does not void what it is trying to preserve.

Will you deal with my insurance company?

No, and be wary of a roofer who says they will. What we do is document the damage and the storm, and price the repair. What your policy pays is a question for your insurer or your public adjuster.

What is a public adjuster and do I need one?

A public adjuster is a separately licensed professional who represents the building owner in an insurance claim, and who is licensed to interpret the policy. That is a different role from a roofing contractor. On a substantial commercial claim it is worth asking whether you want one; on a smaller repair it usually is not necessary. Either way, the licensing and the choice are yours.

Does the repair need a permit in Kenner?

A commercial reroof under R.S. 37:3737(I)(1), originated by Act 239 of 2025 and recodified by Act 881 of 2026, does, and it is inspected against International Building Code Chapter 15. A localised repair usually does not, and the office confirms based on scope. In Kenner the intake is through the Permitting Office on (504) 468-4062 option 1 or by email to kennerpermits@kenner.la.us at 1926 18th Street.

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Commercial Hail Damage Repair in Kenner, LA

Big Easy Roofing assesses and repairs commercial hail damage across Kenner and east bank Jefferson Parish. A commercial hail claim usually needs two documented halves rather than one: the physical damage to the membrane, and the storm event that caused it. Missing either half is what most often loses a claim.

Get Your Commercial Quote! Call (504) 800-8196

Service

City

Two halvesPhysical damage plus storm proof

Cores decideOn the inspections page

IBC Chapter 15Code for the building

No coverage readA separate role

Kenner commercial hail damage repair at a glance

A commercial hail claim needs two halves documented and tied together: the physical damage to the membrane and its supporting components, and the meteorological record of the storm that caused it. The repair is scoped from the survey once both halves are on the file, not before.

The two halves of a claim

Physical damage AND storm proof

A claim usually needs both. Physical damage is documented on the roof and matched to a specific storm event, and the storm event has to have produced hail large enough to cause it. Either half missing is where most claims run into trouble. Call Big Easy Roofing on (504) 800-8196.

Which office covers you

Kenner Permitting Office

Any repair or reroof scoped from a hail claim is permitted work under Louisiana R.S. 37:3737(I)(1), originated by Act 239 of 2025 and recodified by Act 881 of 2026. A Kenner commercial building routes the permit through the City Permitting Office on (504) 468-4062 option 1, Monday to Friday 8:30 AM to 4:30 PM. The intake is email to kennerpermits@kenner.la.us or drop-off at 1926 18th Street. Kenner does not use MyGovernmentOnline.

Which code applies

IBC Chapter 15

Louisiana R.S. 37:3737(I)(1) routes non-dwelling buildings to International Building Code Chapter 15, as adopted with Louisiana amendments. Kenner names IBC 2021 among nine adopted code editions on kenner.la.us/249, with LSUCCC amendments on top.

What we describe

Damage, not cover

The roofer describes damage and prices work. The insurer or your public adjuster decides what your policy will pay. We do not step into that role, and this page never predicts what a policy will or will not cover on a given loss.

What decides scope

Cores, on the inspections page

On a commercial hail assessment the conclusive test for whether the insulation below the membrane took damage is a core cut. That method and the moisture survey around it live on the commercial roof inspections page rather than here, so this page does not repeat them.

Warranty note

Cutting a core has a cost

A core cut is destructive: it removes a small area of membrane and insulation so somebody can look at both. On a roof still under manufacturer warranty the method and the number of cores are agreed with the manufacturer beforehand, so the survey does not void the warranty it is trying to preserve.

A commercial hail claim is not a description of a bad storm. It is a document file. The insurer expects two halves in that file, and each half has to reference the other: physical damage on the roof, documented against a specific storm event that produced hail large enough to cause it. A file with only the physical damage is a claim without a cause; a file with only the storm event is a claim without a loss. Either way, it usually stalls.

The survey therefore does two things in parallel. It documents the visible damage on the membrane and its supporting components (flashings, fasteners, penetrations, gutters and edge metal), and it pulls the storm record for the specific date and location. Where the two match, the file is coherent. Where they do not, that has to be answered before the claim moves forward, because an insurer will ask.

How hail marks each commercial roofing system

Hail damage looks different on every commercial roofing system, and some of those signatures are visible from the ground while others are not. What is consistent across all of them is that the visible surface is a starting point and the below-membrane condition is what actually decides scope.

System	What hail leaves visible	What is hidden below	What documents the damage
TPO single ply	Circular fractures in the membrane surface, granule loss where reinforced, punctures at points of impact on unballasted areas	Whether the reinforcement scrim beneath the surface has fractured, and whether water is now sitting in the insulation	Chalk-marked impact map plus core cuts where the survey suggests they are worth doing
EPDM rubber	Punctures on unballasted membrane, tears at seams under impact	Whether the impact reached the substrate, and whether wet insulation is progressing beneath a puncture	Impact map, seam probe, and a core cut through any suspect impact site
Modified bitumen	Aggregate fracture, cratering of the surface ply, granule loss where the top sheet is granulated	Whether the fracture penetrated to the base ply, and whether water is tracking laterally under the top sheet	Visible inspection is often enough for surface damage; core cut through any penetration
Standing seam metal	Dents in the panel, dents in flashings and gutters, coating fracture at impact points	Whether the coating fracture will progress to corrosion at the impact site	Photographic damage map with measured dent counts and diameters, plus a coating condition assessment
Aggregate or gravel-surfaced built-up	Aggregate displacement and puncture at exposed sheet where aggregate has moved	Whether the built-up membrane below took impact through the aggregate	Aggregate depth measurement, plus a core cut where displacement suggests the membrane took a hit

On any of the five systems, the visible surface is the start of the survey, not the end. Whether the reinforcement scrim, the base ply or the insulation below took damage is a separate question that a walk survey alone cannot answer. Call (504) 800-8196 and we will run the impact map and pull the storm record.

What a hail claim file needs, and where the roofer stops

The insurer decides cover; we describe damage. A useful commercial hail claim file gives the insurer four things assembled together in the same document. That line between the two roles matters more here than it looks, because blurring it is where commercial hail claims most often go wrong.

Physical damage documentation

On the roof, dated

Impact map with location and count, photographs at close range and in context, measurements where damage size is relevant, and a written description of each finding. All time-stamped and location-tagged so the file cannot be argued as a different date.

Meteorological match

From NOAA storm data

The claim identifies a specific storm event: date, approximate time, hail size and storm track. NOAA Storm Events and the NWS local storm reports are the primary sources. Where the storm record does not carry hail large enough to match the physical damage, that is answered before the file goes in.

Below-membrane condition

Cores and moisture survey

Whether the insulation below the membrane took damage is a separate question and it decides scope. The moisture survey (infrared, capacitance or nuclear) and the core cut both live on the commercial inspections page, and their findings become part of the hail file.

What the roofer does not do

Interpret your policy

The roofer does not tell you what your policy will pay, whether a peril is covered, or how a deductible applies. What we hand you is the damage documentation and the repair scope, to use with your insurer or your public adjuster.

Why the storm record matters as much as the damage

Insurers see hail claims that describe visible damage and no matching storm, and they also see claims that describe a bad storm but no visible damage on the roof. Either version stalls, because the claim needs both halves to be internally consistent.

So the storm record is pulled at the survey rather than at the invoice. NOAA Storm Events archives Louisiana events, and the National Weather Service Slidell office is the local source for the New Orleans metro. Where the two are searched and the storm actually was where the roof says it was, the claim is coherent.

Why we do not decide cover

The roles are separate: your insurer decides cover, and the roofer describes damage and prices work. Blurring the two is where commercial hail claims most often go wrong, because a roofer who promises what will be covered is making a promise it is not their role to make.

On a substantial commercial claim a public adjuster is a separately licensed professional who represents the building owner rather than the insurer, and who is licensed to interpret the policy. That is a different role from ours, and we work alongside one rather than in place of one.

Get Your FREE Quote Call (504) 800-8196

The Louisiana storm record and how to search it for a specific date

The two publicly searchable records for a Louisiana hail event are the NOAA Storm Events Database and the NWS Slidell forecast office local storm reports. Both are free to search, both go back years, and both are what an insurer will check against a claim.

NOAA Storm Events Database

NOAA publishes a searchable Storm Events Database that covers hail, severe wind, tornadoes and flooding by county and by date. Jefferson Parish is a searchable jurisdiction there. For a hail claim the useful fields are date, time, hail size (measured in inches diameter), and storm track. A storm event that produced hail at or above the one-inch severe threshold used by the NWS is what the claim file usually relies on.

NWS Slidell local storm reports

The National Weather Service forecast office in Slidell covers the New Orleans metro including Jefferson Parish, and it publishes local storm reports on days of active weather. These reports carry the ground-truth observations that feed the Storm Events Database and often name specific communities where damage was reported. They are what tie a specific building to a documented event.

What to do if the records do not match

Where the physical damage on a roof does not match a recorded storm event, the claim usually needs a second look before it goes in. Damage that predates the earliest matching storm may be a maintenance issue rather than a covered loss, and damage without a matching storm is what most often gets refused. The survey answers this before the file is submitted.

Big Easy Roofing Process

Four steps, and the storm record is pulled in parallel with the damage survey rather than after it, because a file that is missing either half is a file the insurer will send back.

A roofer documenting hail impact marks on a commercial low-slope membrane roof in Kenner

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Damage survey on the roof

Membrane, flashings, penetrations, gutters and edge metal all inspected and impact-mapped. Photographs at close range and in context, with time-stamps and location tags. Where the visible damage suggests below-membrane condition needs checking, that runs through the commercial inspections page workflow.

Storm record pulled in parallel

NOAA Storm Events Database and NWS Slidell local storm reports checked for hail events at the property in the loss window. The specific storm and its hail size are named on the file so the physical damage and the cause are tied together in the record.

Written damage report and repair scope

Findings, cause where matched to the storm record, recommended repair scope, and the boundary and permit route for the repair itself. What the roofer will and will not do inside the claim process is stated plainly, and cover is left to the insurer.

Repair to IBC Chapter 15 and the manufacturer detail

Once the claim decision is your own, the repair is executed to the code and to the manufacturer detail where the roof still carries a system warranty. The permit is filed with the Kenner Permitting Office. Call (504) 800-8196 to book the survey.

Everything else we do in Kenner

The rest of the Big Easy Roofing services available in Kenner, each with its own page and scope of work. The moisture survey behind a hail call is on the commercial inspections page, the recover-or-tear-off decision is on the commercial replacement page, and the low-slope defect repair table is on the commercial repairs page.

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