Hail damage on a split-level brick home doesn’t always look severe from the street, but the evidence is in the shingles — granule loss, impact bruising, and compromised mat integrity that only becomes obvious once someone gets on the roof and knows what to look for. For one Middletown homeowner, that’s exactly where things stood: damage present across the roof field, no approved claim, and no clear path forward until Ragnar Roofing came out for a free inspection and changed the outcome entirely.
The home is a two-story split-level with a tan brick lower level, dark navy siding on the upper story, white-trimmed windows with shutters, and a two-bay garage with glass-panel doors. It’s a distinctive property with strong curb appeal — and a roof that had taken a hit and needed to be made right before the next storm season arrived. Ragnar documented the damage, worked through the insurance process, and got the claim approved for a full Tamko Titan XT replacement.
Reading the Damage on a Hail-Hit Roof
Hail damage assessment on an asphalt shingle roof requires knowing the difference between normal granule loss from age and the concentrated impact pattern that an insurance carrier will recognize as storm-related. On this Middletown home, the evidence on the existing shingle field pointed clearly to hail — impact sites distributed across the roof in the random scatter pattern that hailstones produce, with granule displacement and mat bruising at each strike zone.
That kind of documentation — precise, consistent, and presented in a format the adjuster can evaluate — is what turns a free inspection into an approved claim. Without a contractor who understands how to build that case, many legitimate hail damage claims get denied or underpaid on the first assessment.
The Free Inspection That Started It All
Ragnar Roofing’s free inspection process isn’t a sales visit — it’s a technical assessment designed to determine whether storm damage exists and whether an insurance claim is worth pursuing. For this homeowner, the inspection confirmed that the damage met the threshold for a full replacement and that filing a claim was the right move. Ragnar then worked alongside the homeowner through the claims process to make sure the adjuster’s assessment matched what was actually on the roof.
Getting a claim approved on a split-level home with multiple roof planes requires thorough documentation across every section of the roofline — not just the most visible slopes. Ragnar covered the full assessment and presented the case in a way that supported approval without requiring the homeowner to navigate the process alone.
Tamko Titan XT: Built for Kentucky Conditions
For the replacement, Ragnar Roofing installed Tamko Titan XT shingles — a high-definition dimensional product engineered to handle the impact, wind, and temperature cycling that Kentucky roofs face across all four seasons. The Titan XT’s layered tab construction produces the kind of visual depth and shadow variation that flat shingles can’t achieve, giving the finished roof a premium appearance that holds up to close inspection from any angle.
On a home with this much exterior character — brick, dark siding, glass garage doors, white trim — selecting a shingle that contributes to the overall visual composition matters. The Titan XT’s dimensional profile and neutral tone complement the home’s existing color palette without competing with any of the architectural elements below the roofline.
Full Replacement Across the Roofline
The replacement covered the full roofline of the split-level home — the primary sloped sections visible from the street as well as any secondary planes over the rear of the structure. A full tear-off was completed down to clean decking before any new material was installed, ensuring the finished system was built on a sound substrate rather than layered over compromised material.
On a split-level home, the roofline often involves transitions between sections at different heights, which means additional flashing and integration work at those step-down points. Every transition was properly detailed before field shingles were installed, maintaining the integrity of the waterproofing system across the full footprint of the home.
Eave, Ridge, and Ventilation Details
Drip edge was installed at every eave and rake before underlayment was applied, providing a clean termination point for the shingle system and directing water away from the fascia and soffit. Along the ridge, cap shingles matching the Titan XT field shingles were installed with consistent exposure to finish the roofline cleanly and maintain the visual line from one end of the home to the other.
Proper attic ventilation was verified as part of the replacement process. A balanced intake and exhaust system is critical for shingle longevity in Kentucky’s climate, where summer attic temperatures can accelerate shingle aging from below just as much as UV exposure does from above.
A Brand New Roof, Covered by Insurance
When the project was complete, the Middletown homeowner had a fully replaced roof paid for by their insurance carrier — a result that started with a phone call for a free inspection. The Tamko Titan XT system carries a manufacturer warranty, and the homeowner moves forward with a roof built to handle whatever the next storm season delivers.
That’s the outcome Ragnar Roofing works toward on every insurance claim: full approval, full replacement, and a finished product that gives the homeowner confidence in the roof over their head.
Ragnar Roofing | Hail Damage Inspections & Roof Replacement | Louisville, KY
Ragnar Roofing serves homeowners across the Louisville metro area, including Middletown and surrounding communities, with free hail damage inspections and complete insurance claim support. If your roof took hail damage and you haven’t had it professionally assessed, the damage may already be there — it just needs someone who knows how to find and document it. Call Ragnar Roofing at (831) 772-4627 to schedule your free inspection today.
