Hail damage on a well-maintained two-story brick home doesn’t always reveal itself at ground level. The shingles may look intact from the street, the gutters may still be hanging straight, and the homeowner may have no idea that the storm left behind a pattern of impact sites significant enough to support a full insurance replacement. That was the situation in Jeffersontown, where Ragnar Roofing came out for a free inspection, found the documented evidence across the existing shingle field, called it in to the insurance carrier, and got the claim approved for a complete Tamko Titan XT roof replacement.
The home is a substantial two-story brick colonial with arched windows, a covered entry with decorative ironwork, and a multi-plane roofline with a front gable projection and connecting sections across the upper story. It’s a well-appointed property in a residential neighborhood — exactly the kind of home where a properly executed insurance claim and a quality shingle installation make a meaningful long-term difference.
What the Inspection Found
Hail impact evidence on an asphalt shingle surface shows up in two distinct ways that a trained inspector knows to look for: granule displacement concentrated at the strike zone, and mat bruising beneath the granule surface where the hailstone compressed the shingle body on impact. Both patterns were present across this Jeffersontown roofline, with green chalk marks identifying confirmed impact sites across multiple shingle courses.
Beyond the shingle surface, the roof’s low-profile exhaust vent showed the soft metal oxidation and surface marking consistent with hail strike exposure — additional documentation that supports an insurance assessment and demonstrates that the storm event affected multiple roofline components, not just isolated shingle areas.
Calling It In and Getting Approved
Once the damage was documented, Ragnar Roofing handled the insurance communication directly, presenting the inspection findings to the carrier in a format that supported a full replacement approval. Getting a claim approved on a two-story brick home with a multi-plane roofline requires thorough documentation across every slope — not just the most visible sections — and a contractor who understands how to communicate damage evidence in terms that move an adjuster toward approval rather than a partial payout.
The homeowner didn’t have to navigate any of that process alone. Ragnar managed the inspection, the documentation, and the carrier communication from the first visit through to the approved claim.
Tamko Titan XT on a Multi-Plane Roofline
For the replacement, Ragnar Roofing installed Tamko Titan XT shingles across the full roofline of the Jeffersontown home. The Titan XT is a high-definition dimensional product with a layered tab construction that produces natural shadow variation and visual depth across the roof field — a significant aesthetic upgrade over the flatter profile of older shingle products while delivering the impact resistance and wind uplift performance Kentucky homeowners need.
The warm brown and tan dimensional blending of the Titan XT shingles complements the tan brick exterior and white trim detailing of this home naturally. The roofline reads as intentional and cohesive rather than mismatched — which matters on a home with this much architectural investment in its exterior.
Full Tear-Off and Deck Preparation
The replacement began with a complete tear-off of the existing shingle system down to clean decking across all planes of the roofline — the front gable projection, the main upper story sections, and any connecting lower planes. Every section was stripped and inspected before underlayment was staged, giving the crew the opportunity to identify and address any soft or damaged decking panels before new material went on top.
On a two-story home with this much roofline geometry, the tear-off phase generates significant debris volume that has to be managed efficiently to keep the work area safe and organized throughout the day. Ragnar’s crew coordinated the tear-off and staged material delivery so that no section of exposed decking sat unprotected longer than necessary.
Vent Integration, Flashing, and Ridge Details
The low-profile exhaust vent on the front slope of the roofline was replaced and properly integrated into the new Titan XT shingle system, with flashing at the perimeter ensuring no water entry at the vent base. At the eave perimeter, drip edge was installed before underlayment was applied, directing water cleanly away from the fascia and soffit and into the gutter system below.
Along the ridge and hip lines, matching Titan XT cap shingles were installed at consistent exposure, giving the roofline clean, straight lines from every viewing angle. The front gable peak was finished with a decorative ridge cap finial detail that carries through the architectural character of the home’s roofline.
A Brand New Roof, Paid by Insurance
When the project was complete, the Jeffersontown homeowner had a fully replaced Tamko Titan XT roof covered by their insurance carrier — a result that started with a free inspection and a contractor willing to document the damage and fight for the approval. The Titan XT system carries a manufacturer warranty, and the homeowner moves into the next storm season with a roof that was built to handle it.
For a home that clearly receives care and attention at every other level of its exterior, a properly installed dimensional shingle system is the finishing piece that brings the whole property together.
Ragnar Roofing | Hail Damage Inspections & Roof Replacement | Louisville, KY
Ragnar Roofing serves homeowners throughout the Louisville metro area, including Jeffersontown and Jeffersonville, with free hail damage inspections and complete insurance claim support. If your roof may have taken hail damage, the evidence is on the shingles — and a free inspection is the first step to finding out what your insurance carrier owes you. Call Ragnar Roofing at (831) 772-4627 to schedule your inspection today.
