My Roof Was Damaged by Hail, So Why Is My Insurance Company Giving Me $100 to Fix My Air Conditioner?
If you’ve filed a hail damage claim for your roof and noticed a small line item—maybe $100 or $200—for HVAC repairs, you might be asking: “What does my AC have to do with my roof? Why hasn’t my roofer mentioned this?” The answer reveals a lot about how roofing companies operate—and why working with a thorough general contractor like Hilltop Roofing & Construction makes all the difference.
Hail Damage Affects More Than Just Your Roof
Hailstorms can damage anything outside your home—not just your shingles. One commonly overlooked component is your AC condenser, the box-shaped part of your HVAC system located outside (often near an exterior wall or on the rooftop). When hail strikes, it dents the delicate fins on the condenser, impacting both performance and efficiency.
A typical insurance claim for hail damage will often include a small amount—usually $100 to $300—to repair the AC condenser using a simple tool called a fin comb to straighten the bent fins. On paper, it looks like a minor detail. In reality, this line item is an important part of fully restoring your home after a storm.
Why Most Roofers Ignore This (And Why We Don’t)
The truth is, 90% of roofers will ignore this HVAC repair allowance altogether. They either overlook it or view it as “fluff” money that’s irrelevant to their scope. Their goal? A quick, one-day roofing job with minimal effort, and moving on to the next one. They are roofers—not general contractors.
At Hilltop Roofing & Construction, we operate differently. We’re general contractors, and our approach is holistic. When we see that $100 HVAC repair allowance in your claim, we don’t gloss over it—we act on it.
Our Process: Thorough, Detailed, and Homeowner-Focused
When we engage with a new client, we:
1️⃣ Review your damages in detail, including every line item—not just roofing.
2️⃣ Consult with a master licensed HVAC technician to inspect the AC condenser.
3️⃣ Confirm if the $100 repair allowance is adequate. If it is, we ensure the repair is completed properly.
4️⃣ If it’s not adequate, our HVAC partner writes a detailed report explaining why a simple fin-combing repair won’t restore performance. This often leads to a supplemental insurance claim—and in some cases, homeowners receive approval for an entirely new AC system.
This level of diligence ensures you don’t miss out on additonal damages that can cause major problems down the road. After all, you’re already paying your deductible—you should ensure that all damages on the home are addressed.
Why This Matters for Homeowners
If your roofer isn’t reviewing your entire claim, they may be leaving thousands of dollars in covered repairs unaddressed. This not only impacts your HVAC system but can also reduce your home’s efficiency and value.
By partnering with Hilltop Roofing & Construction, you get more than just a roof replacement—you get a general contractor who looks at the big picture. We ensure that every storm-damaged component of your home is properly evaluated and restored.
Experience the Hilltop Difference
At Hilltop Roofing & Construction, our focus is on thoroughness, transparency, and advocacy for homeowners. We treat your property as if it were our own—because cutting corners on your biggest investment is never acceptable.
If your hail damage claim includes an AC line item, don’t let it slip by unnoticed. Contact us today, and we’ll help you navigate your claim, coordinate inspections with licensed HVAC experts, and ensure every detail is addressed.
“Already paying your deductible? When hail storms damage your property, you only get to file the claim once. Make sure you hire an experienced, thorough general contractor that will treat each line item with the same level of care. Contact Hilltop Roofing & Construction today for a free roof inspection and a thorough review of your hail claim.”