The inspection is free, every time, all year. You keep the photographs.
The first twenty four hours
This is the Kentucky Department of Insurance's advice, not ours, and it is worth reading before you call anyone, including us.
- "Take photos of the damage. This is very important if you must throw away or move items before the adjuster has seen them."
- "Keep all your receipts (for tarps and a wet/dry-vac, for example) and document the time you spend securing your property."
- "Contact your insurance company as soon as possible. Call your agent, the company's toll-free number or get in touch with the company's representatives in the area."
- "Insist on a written contract that includes a description of the work, total cost and completion date."
- "Don't be afraid to ask for identification, especially if money is changing hands, and proof of general liability and workers' compensation insurance." We carry both and we will show you.
- The Department's consumer protection line is 800-595-6053.
Every quoted line above from the Kentucky Department of Insurance, Before and After the Storm, read 17 September 2026.
What the inspection covers
- Every slope of the roof, walked, not looked at from the driveway
- Flashing, pipe boots, vents and the ridge
- Gutters, downspouts, siding, soffit and fascia
- Photographs of everything we find, sent to you
- A plain answer: repair, claim, or leave it alone
The storms this roof has to be built for
The last nine the Weather Service logged for Louisville. Each links to the office's own report.
- 2 April 2024. An EF2 tornado at 120 mph out of Utica, across the Ohio into Prospect, lifting by the Sleepy Hollow golf course in Oldham County, 22 injured. A second EF2 at Buckner. Inch hail at Middletown. The report.
- 26 May 2024. Widespread damaging winds and several tornadoes across the area, in two waves of storms. The report.
- 4 July 2024. Two brief tornadoes over southern Indiana and the Louisville Metro. The report.
- 15 March 2025. Hail to an inch and a half in Shively and Meadowview Estates, two inch stones across the river, a 69 mph gust at the airport, and trees on houses on Halstead Avenue and in St Matthews. The report.
- 30 March 2025. An EF1 at 100 mph through south Louisville near Fairdale, one injured. The report.
- 2 April 2025. An EF3 at 145 mph through east Louisville, from Watterson Trail to Long Run Road, nine and a half miles, across the I-265 and I-64 interchange, in the same week as the historic flooding. The report.
- 15 March 2026. Multiple EF1 tornadoes and straight line wind damage across the area, structures damaged at Mount Washington. The report.
- 18 June 2026. Trees through houses in Shively and southwest Louisville, water rescues at Hurstbourne Parkway and Six Mile Lane, an EF2 across the river. The report.
- 16 August 2026. A tree on a house on Terry Road in Valley Station. Trees on homes and roof damage in Shepherdsville. The report.
Reports from the National Weather Service, Louisville, read 17 September 2026.
The insurance claim
If the storm did the damage, the claim is how the roof gets paid for, and the paperwork is where most people get stuck. We photograph the damage, give you a written estimate, and once you have filed we meet your adjuster on the roof. Every step of a claim, in order, with the checklist to print.
If it's not a claim
Then we say so. A repair that costs less than your deductible is a repair, and we will quote it as one. A roof with years left in it gets left alone.
Built for about 48 inches of rain a year, 13.4 inches of snow, and a hail season that runs from March into July. Why that changes what we install.
Free roof inspections, as many as you need, all year. Fast. Honest. Elite. That's the whole promise: we come out fast, we tell you what we found and show you the pictures, then if your roof is fine we say so. Storm damage, repairs, full replacements, siding, gutters, soffit and fascia, throughout Louisville. A roof that keeps the weather out, and the photographs to carry the claim.
Questions people ask
A storm just came through. What do I do?
Call (502) 915-9758 or text a photo of what you can see from the ground. We come out, get on the roof, photograph everything, and tell you straight whether it is a repair, a claim or nothing at all. The inspection is free, every time.
Do you handle the insurance claim?
We do the part a roofer is allowed to do, and all of it. We photograph the damage, give you a written estimate, and once you have filed we meet your adjuster on the roof and walk them through what we found. Kentucky law leaves the negotiating to you or a licensed public adjuster, and we would not have it any other way. How a claim goes, step by step.
What does the free inspection cover?
The whole roof, the flashing, the vents and boots, the gutters, the siding, the soffit and fascia. You get the photographs and a plain answer. Unlimited, year round.
What shingles do you install?
GAF, CertainTeed and Owens Corning. Our inspectors carry certifications from all three.
Is the inspection really free?
Yes. Every time, all year, and there is no catch. If the roof is fine, you hear that too.
I already have an estimate. Will you look at it?
Bring it. We look at the roof and the estimate and tell you straight.
Where do you work?
Louisville and the area around it. Not sure if that's you? Call and ask.
Who shows up?
Deonta Simpson, Louisville. Lightning Louisville Roofing and Renovation. He is the one on the roof in the pictures.