When a storm comes through a neighborhood with enough force to lift and remove a substantial section of shingles from a roof, the damage isn’t subtle — exposed decking, missing courses across a wide field area, and a home that’s no longer protected from whatever comes next. For one Hillview homeowner, that’s exactly what a recent storm delivered: a large section of shingles blown off the roof and hail damage documented across the remaining field and gutters. Ragnar Roofing performed a full inspection, guided the homeowner through the insurance claims process, and installed a complete Tamko Titan XT in Rustic Black — a Class 3 impact-rated shingle that closes the door on both the leaks and the vulnerability that caused them.
The home is a single-story red brick ranch with navy blue shutters, white trim, a front-facing wood deck running the width of the home, and mature trees surrounding the property on all sides. The charcoal-black Titan XT Rustic Black shingles installed across the finished roofline give the home a sharp, grounded appearance that contrasts cleanly against the red brick and white trim below.
What the Storm Left Behind
Wind damage at the scale of a missing shingle section is some of the most straightforward insurance claim evidence a contractor can document. Exposed decking is visible proof that the roof system failed under storm loading — there’s no ambiguity about what happened or when. Combined with the hail impact evidence across the remaining shingle field and the gutter damage documented during the inspection, the full picture of the storm’s effect on this property was clear and well-supported.
Hail damage to gutters is often an overlooked component of a storm claim. Soft metal gutters dent and dimple under hail impact in patterns that document the storm event independently from the shingle damage — and including that damage in the claim documentation strengthens the overall submission.
Full Inspection and Insurance Claim Support
Ragnar Roofing performed a comprehensive inspection of the entire roof field — not just the section where shingles were visibly missing, but every slope, every eave edge, and every penetration on the property. Wind and hail events rarely confine their damage to the most obvious area, and a thorough inspection ensures the claim captures the full scope of what the storm affected rather than just what was immediately visible from the ground.
The inspection findings were presented to the insurance carrier in support of a full replacement claim, and Ragnar guided the homeowner through the claims process from the initial filing through to approval. Homeowners dealing with significant visible storm damage are often unsure how to navigate the process — having a contractor who understands how claims work and can communicate the damage evidence professionally makes a direct difference in the outcome.
Tamko Titan XT in Rustic Black: Class 3 Impact Rated
For the replacement, Ragnar installed Tamko Titan XT shingles in Rustic Black — a deep charcoal-black dimensional product that brings Class 3 impact resistance to a home that had just demonstrated exactly why impact rating matters. A Class 3 impact-rated shingle is engineered to withstand hail strike forces that would damage a standard shingle product, providing a meaningful layer of protection against the kind of storm that caused the original damage.
The Rustic Black color is one of the bolder choices in the Titan XT line — a deep, near-black tone with subtle dimensional variation in the granule blend that gives the finished roof visual depth without reading as flat or monolithic. Against the red brick exterior, white trim, and navy shutters of this Hillview ranch, the Rustic Black roofline creates a strong, grounded color contrast that gives the home a completely different presence from the street.
Full Tear-Off and Deck Repair
With a section of the roof already stripped to bare decking from the storm, the tear-off phase began with removing the remaining shingles across the full roof field to bring the entire surface to the same starting point before new material went down. Any decking panels that had been exposed to moisture during the period between the storm and the installation were inspected and any compromised sections were addressed before underlayment was applied.
Getting the deck to a uniform, sound condition across the full surface is what allows the new shingle system to perform consistently — a roof built partially over weathered decking and partially over storm-exposed boards will develop differential performance issues that show up as premature failure in the affected areas.
Ridge, Eave, and Ventilation Details
Along the ridge, continuous ventilation was integrated into the cap shingle installation, providing passive attic exhaust that balances the intake at the soffit perimeter. On a ranch home surrounded by mature trees, proper attic ventilation also helps manage the moisture that accumulated during the period the roof was partially exposed — getting the ventilation system right as part of the installation supports the long-term performance of the new shingle system.
Drip edge was installed at the full eave and rake perimeter before underlayment was applied, giving the roofline a clean, defined termination at every edge and directing water into the gutter system rather than down the fascia face.
No More Leaks. Class 3 Protection Going Forward.
When the installation was complete, the homeowners had a fully replaced Rustic Black Titan XT roof with Class 3 impact resistance, no active leaks, and a system built to handle the kind of storm that had exposed the vulnerability of the previous one. The visible difference from the street — a deep charcoal-black roofline replacing a weathered gray system — is matched by the less visible difference in how the home will perform through the next storm season.
Ragnar Roofing | Storm Damage & Insurance Claims | Louisville, KY
Ragnar Roofing serves homeowners throughout the Louisville area, including Hillview and surrounding communities, with full storm damage inspections and complete insurance claim support. If your roof took wind or hail damage, call Ragnar Roofing at (831) 772-4627 to schedule your free inspection today.
