Roofing & Construction FAQ

Yes, in most cases standard homeowners insurance covers hail and wind damage to your roof. Nebraska consistently ranks among the top states for hail activity, and most policies include dwelling coverage that applies to storm damage.

After a hail event, contact a licensed roofing contractor for a free inspection before filing a claim — a documented damage report strengthens your claim. We will document everything, provide a full written report, and work directly with your insurance adjuster throughout the process.

As soon as possible — ideally within 30 days of the storm. Nebraska homeowners insurance policies have claim filing deadlines, and delaying can complicate or invalidate your claim.

Even if damage is not visible from the ground, hail impacts on shingles accelerate deterioration and can lead to leaks months later. 81 Roofing and Construction provides free post-storm inspections across Southeast Nebraska, including Geneva, Fairbury, Beatrice, and York. Call 402-759-2391 to schedule.

Common signs of hail damage include:

• Dark, circular bruise-like dents on asphalt shingles where granules have been knocked off, exposing the black mat underneath
• Dents or dings on metal components — gutters, downspouts, flashing, roof vents
• Cracked, split, or missing shingles
• Granule accumulation in gutters or around downspout outlets

Many hail impacts are not visible from the ground. Our free inspections include a full roof walkthrough and photographic documentation — no cost, no obligation.

Here is how it works when you use 81 Roofing and Construction:

1. Free Inspection: We inspect your roof and document all damage with photos and a written report.
2. You File a Claim: You contact your insurance company and open a claim.
3. Adjuster Meeting: Your insurer sends an adjuster. We meet them on-site and walk through all documented damage together.
4. Approval & Scheduling: Once your claim is approved, we schedule and complete the work using the insurance settlement.
5. You Pay Only Your Deductible.

We handle the paperwork and adjuster communication — you don't need to navigate this alone.

In Southeast Nebraska, a typical residential roof replacement ranges from $8,000 to $18,000 depending on:

• The size and pitch of your roof
• Material type (asphalt shingles vs. metal)
• Number of layers to be removed
• Any needed decking repairs

If your roof was damaged by hail, your insurance claim may cover most or all of the cost — you typically only pay your deductible. Get a free quote specific to your property.

Most residential roof replacements are completed in one to two days for a standard single-story home. Larger homes, complex roof shapes, or multi-story buildings may take two to three days. Weather delays can extend the timeline. We will give you a specific estimated timeline during your free consultation.

The right answer depends on several factors:

• Repair is usually appropriate when the roof is under 10 years old, damage is limited to a specific area, and less than 30% of shingles are affected.
• Replacement is usually the better investment when the roof is 15-20+ years old, damage is widespread (especially after hail), or when insurance is involved — insurers often total a roof when damage is extensive.

Our free inspection includes an honest assessment of repair vs. replacement so you can make the best decision for your situation.

Yes — completely free, no obligation. We inspect your roof, check for hail damage, wind damage, deterioration, and installation issues, and provide you with a full written report. Schedule your free inspection or call 402-759-2391.

For Nebraska's climate — frequent hail, high winds, and extreme temperature swings — metal roofing is a strong long-term investment. Many homeowners find the insurance savings and longevity offset the higher upfront cost.

For Nebraska's climate — frequent hailstorms, high winds, extreme temperature swings, and heavy snow — the top choices are:

• Class 4 impact-resistant asphalt shingles — the highest hail-resistance rating, affordable upfront, and may qualify you for a homeowners insurance discount of 15–30%.
• Metal roofing — lasts 40–70 years, highly wind and hail resistant, energy efficient, and typically qualifies for insurance discounts. Higher upfront cost but strong long-term value.

Both options outperform standard asphalt shingles in Nebraska's weather. We install both and can help you choose the right material for your budget and goals. Request a free quote to compare options.

Class 4 is the highest impact-resistance rating for roofing materials, tested by dropping a 2-inch steel ball from 20 feet without the shingle cracking. Class 4 shingles and metal roofing systems are highly effective in Nebraska's hail-prone climate.

Many Nebraska homeowners insurance policies offer discounts of 15-30% for installing Class 4 impact-resistant roofing — ask your insurer. Ask us about Class 4 options when requesting your quote.

Yes. We design and build custom pole barns, garages, workshops, and agricultural buildings across Southeast Nebraska. Whether you need a farm storage building, machine shed, recreational garage, or commercial storage structure, we build to your specifications. Contact us for a free quote.

Yes. 81 Roofing and Construction serves Geneva, NE and the surrounding Fillmore County area. Our services in Geneva include:

• Free hail damage inspections
• Residential roof replacement
• Storm damage repair and insurance claim assistance
• Metal roofing installation
• Gutter installation and repair
• Concrete, siding, and pole barn construction

Call 402-759-2391 or schedule a free inspection today.

Yes. 81 Roofing and Construction is a licensed and insured roofing and construction contractor in Nebraska. We carry general liability insurance and workers' compensation coverage, and we are happy to provide proof of insurance before any project begins.

Always ask any contractor for insurance documentation before signing. Hiring an uninsured contractor can expose homeowners to significant financial liability if an accident occurs on your property.

We serve Southeast Nebraska and surrounding communities, including:

• Fairbury
• Beatrice
• York
• Hebron
• Geneva
• Crete
• Hastings
• Lincoln

Not sure if we serve your area? Call us at 402-759-2391 — we're happy to discuss your project.