Free inspection, photos and a written estimate
Not every problem a roofer finds after a storm was caused by the storm. Insurance policies draw a line between sudden damage and normal wear, and knowing which side your roof is on saves a lot of frustration. 3 Peaks Roofing inspects storm-hit roofs across New Albany and Floyd County for free, photographs what we find, and tells you honestly whether it looks like storm damage. When it is, we help you work through the claim. We're a locally owned Louisville roofer and fully insured.
What We Offer in New Albany, IN
Storm damage versus wear and tear
Homeowner's policies may cover sudden damage from events like hail and wind. They usually don't cover a roof that has simply aged. Here's how the two tend to look:
Usually storm damage
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Fresh hail bruises: dark spots where granules were knocked off, scattered across a slope, often with matching dents on gutters and vents.
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Shingles torn off, creased or lifted after a specific windstorm.
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Punctures or broken decking where a limb fell.
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Flashing or ridge caps pulled loose in high wind.
Usually wear and age
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Granule loss spread evenly over an old roof.
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Curling or cracking from years of sun.
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Leaks at flashing or pipe boots that have slowly deteriorated.
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Moss, algae or rot from long-term moisture.
Many roofs show both, and a storm can do real damage to a roof that was already aging. Our job is to photograph what's there and give you a straight opinion, so you're not opening a claim for something that isn't covered, or skipping one for damage that is.
Schedule a free storm damage inspection in New Albany
Call 502-864-7663, Monday through Saturday from 7 AM to 5 PM, or request an inspection online. We'll tell you honestly what the storm did and what to do next.
Trees and storms in New Albany
New Albany is a city of mature trees, from the older streets near downtown to the wooded hillsides along the Knobstone Escarpment, which rises several hundred feet above the river at the city's northwestern edge. Storm winds bring down limbs and sometimes whole trees.
If a tree or limb hits your roof:
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Get everyone out of rooms below the damage.
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Stay away from downed power lines and call the utility.
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Don't climb on the roof or try to move the limb yourself.
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Photograph the damage from the ground and inside.
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Call us. We can tarp the opening to keep water out once it's safe, then inspect the decking, rafters and roofing underneath.
Fallen-tree damage often goes beyond the shingles to the decking and framing, so a careful inspection matters before anything is patched over. Keeping big limbs trimmed back from the roof between storms is one of the simplest ways to prevent this kind of damage in the first place.
Hail and wind
Hail bruises shingles and can crack the mat inside, often without causing an immediate leak. It dents soft metals like gutters, vents and flashing. Our hail damage page shows the common signs.
Wind breaks the adhesive seal on shingles, creases them and tears them off. It also lifts ridge caps and loosens flashing, usually worst on the side facing the storm and along edges and corners.
Siding and gutters take hits too
The same storm that damages a roof often cracks or punctures siding on the storm-facing side and dents or pulls down gutters. We repair and replace siding, gutters, soffit and fascia, so the outside of the house can be handled in one project. See our siding page.
How we help with the claim
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Free inspection of the roof, gutters, siding and attic.
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Photos of every sign of damage.
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An honest read on whether it's storm damage, wear, or some of both.
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Written estimate of the repair or replacement.
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Help working through the claim, including explaining the paperwork and what the approved work covers.
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The work, then cleanup, a magnet sweep for nails and a final walkthrough.
You report the damage to your insurance company and schedule the adjuster's visit; we make sure you have clear documentation. Our storm damage insurance page goes into more detail.
Keep a simple storm file
A little organization makes a claim much easier. Keep one folder, paper or on your phone, with:
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the date and approximate time of the storm;
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your own photos of the yard, roof, gutters and any interior stains;
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our inspection photos and written estimate;
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receipts for tarps, cleanup or temporary repairs;
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notes from every call with your insurance company, with names and dates;
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your claim number, once you have one.
When questions come up weeks later, everything is in one place.
Commercial and multi-family roofs
We also inspect and repair storm damage on commercial flat and metal roofs, multi-family buildings, churches and schools in New Albany. On flat roofs, we check for punctured membranes, torn seams, lifted edges and dented rooftop units, and we document everything with photos. Commercial policies differ from homeowner's policies, so check your coverage and reporting requirements.
New Albany's weather
New Albany sits on the Ohio River opposite Louisville and shares its humid subtropical climate. Severe spring thunderstorms are common, and the region sees occasional tornado outbreaks. The city also has a long memory for severe weather: after the 1937 Ohio River flood, New Albany was the first city in the region to begin building flood walls.
For roofs, the bigger everyday risk is time. Storm damage left alone in spring often starts leaking during the freeze season, which usually runs from early November into early April. If a storm passed and nobody has looked at your roof, it's worth an inspection.
Repair or replace?
Scattered damage on a sound roof is a repair. Damage on every slope, or storm damage on a roof that was already worn, often means replacement. We'll show you the photos and explain both paths, including how long a repair is likely to hold on your roof, so you can decide with the full picture.
Nearby
We handle storm damage throughout New Albany and Floyd County, as well as Jeffersonville, Clarksville and Louisville. See our New Albany page for all our services in town.
In a customer's words
"From the first inspection to the final walkthrough, they were on time, professional, and easy to work with. They explained what needed to be done, showed photos of the damage, and helped me navigate the insurance process to get the roof approved"
Byron S., Google review
Why Choose Us?
You deal with the owners, not a call center. We explain what we find in plain English, give you a written quote, and won't push a new roof if a repair will do the job. The three points below are how we run every New Albany job:
Dependable Service
You can trust our team to provide prompt, professional roofing solutions, always keeping your home or business protection as our top priority.
Transparent Communication
We pride ourselves on clear, honest guidance, ensuring you understand every step of your roofing project without surprises.
Superior Quality
Our experts use high-grade materials and advanced techniques to deliver durable, long-lasting roofs backed by reliable warranties.
New Albany storm damage FAQs
How do I know if it's storm damage or just an old roof?
Storm damage is usually sudden and specific: hail bruises, torn or creased shingles, or impact from a limb. Wear is gradual and spread evenly, like curling and granule loss across an old roof. Our inspection photographs what's there and tells you which it looks like.
A tree fell on my roof. What do I do?
Get people out of the rooms below, stay clear of power lines, and photograph the damage from the ground. Call us to tarp the opening and inspect the structure underneath.
Does insurance cover storm damage in Indiana?
It may, depending on your policy. Sudden hail and wind damage is often covered, while wear and age usually aren't. Read your policy or ask your agent. We document the damage and help you work through the claim.
Do you offer emergency tarping?
Yes. When a storm opens up the roof, we can cover the damaged area with a tarp to protect the house until the permanent repair is done.
Do you fix storm-damaged siding too?
Yes. We repair and replace siding, gutters, soffit and fascia along with the roof.
Should I wait to see if the roof leaks before calling?
It's better not to. Hail and wind damage often doesn't leak until the freeze season works it open, and waiting can make it harder to tie the damage to a specific storm. A free inspection now gives you a clear record.
Financing Options
for Your Roofing Needs
Our roofing experts in New Albany understand that roof repairs, replacements, or upgrades can be a big investment. That’s why we offer flexible financing options for qualified homeowners and businesses. Our roofing professionals work with you to create manageable payment plans, ensuring your project gets done on time without financial stress. Contact us today for a consultation and estimate.
