Storm damage restoration and repair in Toledo, OH

Storm damage that affects Northwest Ohio homes

Homes in Toledo and the surrounding area deal with strong thunderstorm winds and hail in the warmer months, and heavy snow and ice in winter. Each one damages an exterior in a different way, and some of that damage is hard to spot from the ground.

What homeowners insurance generally covers

The Ohio Department of Insurance notes that most damage caused by wind, hail, heavy snow, and ice is generally covered by a standard property insurance policy after deductibles are met. Flood damage typically is not covered by a standard policy.

That is a general rule, not a promise. Your own policy, your deductible, and your insurer's review of the cause of the damage decide what is paid on your claim.

What to do in the first 24 to 48 hours

Safety comes first. Damage to the outside of your home can wait a few hours. An injury cannot.

1. Make sure everyone is safe. Stay clear of downed power lines and report them to your utility.
2. Do not enter any part of the home that looks structurally damaged until it has been checked.
3. Stay off the roof. A storm-damaged roof can be slick or weakened. Look from the ground and leave the close inspection to a professional.
4. Take photos and video of the damage, inside and out, before anything is moved or repaired. Our storm damage documentation checklist covers what to capture.
5. Prevent further damage where you can do it safely, such as covering a broken window or putting a bucket under a leak. Keep receipts for anything you buy.
6. Contact your insurance company or agent to report the damage and ask how your policy handles it.
7. Schedule an inspection so you know the full extent of the damage.

What a storm damage inspection looks at

A good inspection covers the whole exterior, not just the spot that caught your eye. Here is what we check and why it matters.

From a quick repair to full replacement

Not every storm means a new roof. Sometimes the right fix is a few shingles, a section of siding, or one run of gutter. Other times the damage is widespread enough that a patch would not hold up. Either way, you get an honest recommendation with clear, upfront pricing and no pressure.

Blackridge handles roofing, siding, seamless gutters, and windows, so one contractor can restore the whole exterior instead of you coordinating several trades. Storm work follows the same process as every other job:

1. Schedule Your Free Estimate. We inspect the damage and document what we find.
2. Get a Clear Plan. You receive a detailed written estimate and an honest recommendation on repair or replacement.
3. We Get to Work. Skilled crews install quality materials and keep the job site clean.
4. Final Walkthrough. We walk through the finished work with you.

How we assist with the insurance claims process

The claim is between you and your insurance company. Ohio law requires anyone who is paid to negotiate or settle a property insurance claim on a homeowner's behalf to be licensed as a public insurance adjuster, with limited exceptions such as attorneys, and the Ohio Department of Insurance advises homeowners not to give a contractor power of attorney or let a contractor negotiate or settle their claim. We stay in the contractor's lane, which is the documentation side.

What that looks like in practice: the inspection is free, and it includes photos and video that we share with you. We meet your adjuster on site, every time. We prepare the documentation for what it takes to build the job correctly, covering code requirements, what can and cannot be repaired, and the full scope of the work, and we send that documentation to your carrier. Supplements are Donovan's specialty. What we do not do is argue your coverage or settle your claim for you.

If a claim is denied, we have a set process: we re-inspect the roof and put together updated documentation for you to take back to your insurer. We never waive or absorb a deductible, and we do not use insurance-contingency agreements. Our contracts give you three business days to cancel in writing.

Experience in insurance restoration

Founder Donovan Mabry brings years of experience in roofing, siding, and insurance restoration. He has helped lead and scale multi-million-dollar exterior operations and now focuses on delivering high-quality, code-compliant installations with transparency and accountability.

Founder Kaleb Smith brings 9 years of law enforcement experience and a focus on integrity, discipline, and accountability.

From storm damage inspections to roof replacements, Zach, our Home Exterior Specialist, walks clients through every step with clear communication, honesty, and zero sales tactics.

Storm damage and insurance guides

These guides explain the parts of a storm claim homeowners ask about most. They are written in plain language and apply to most policies, but your own policy always has the final say.