Hayden Claims Group

$200 or $20,000? 🤔
Standing-seam metal roof with a torn/dented panel. Is this “replace a few panels”…or a major repair?

Reality check:

Standing seam isn’t spot-repairable. Panels interlock and are clipped every 12–24". To remove one, you have to unseam and pull panels back to a natural break (eave/ridge/valley/penetration).

Patches don’t hold. They deform ribs, trap water, void warranties, and fail with thermal movement.

A split/tear is a storm-created opening (functional damage). The correct fix is panel replacement to the nearest breaks—usually a full run and, for color/warranty uniformity, often the entire slope. If profile/paint lot can’t be matched, it can mean a full roof.

How we win this with carriers:
Cause = sudden & accidental ✓ • Functional opening (not “cosmetic”) ✓ • Manufacturer instructions (no field patch on torn panels) ✓ • Scope to natural breaks ✓ • Uniform finish/warranty ✓

Your call: $200 or $20K? Drop your guess below.
Got a dent/tear like this? DM “TEAR” and we’ll review your photos + policy and tell you if it supports run/slope—or whole roof—replacement. No pressure, no upfront fee.

Hayden Claims Group — Texas Public Adjusters
TX Lic. #3378204 • Texas Hill Country • Residential & Light Commercial

Big machines or little machines every bit helps.

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