
May 2026 | Location: Lake City, FL (Columbia County) | Completed by: Hunter Lipthrott, J&M Roofing’s St. Augustine branch
Hail damaged Laura’s roof in Lake City. Her insurance claim didn’t resolve without a fight — she took the dispute to court and prevailed. With the settlement secured, Hunter Lipthrott and the J&M Roofing team arrived in late May to install 47 squares of IKO Dual Black on her Columbia County brick ranch home. Before the first new shingle went down, the crew stripped two complete layers of existing roofing off the deck — a double tear-off that added time and labor to the job, and that was required by Florida building code before a new system could be installed.
Product: IKO — Dual Black
Warranty: Iron Clad Protection (15-year non-prorated)
Squares: 47
Pitch: 4/12
Tear-Off: Double layer (two complete layers removed)
Homeowner: Laura
Location: Lake City, FL (Columbia County)
Specialist: Hunter Lipthrott, J&M Roofing
Branch: St. Augustine
Project Driver: Hail damage — insurance claim disputed, homeowner pursued legal action and prevailed
In Office: April 20, 2026 | Install Date: May 26, 2026

Hail damage claims in North Florida follow a frustrating pattern for a segment of homeowners: the damage is real, the documentation supports it, and the insurance company still pushes back. Laura’s claim was one of those. The initial response from her insurer wasn’t a check — it was a dispute. She didn’t let it end there. She pursued legal action, the court sided with her, and the outcome funded a full roof replacement on a home that had needed it since the storm hit.
She came into J&M Roofing’s office on April 20. The permitting, material ordering, and job scheduling took about five weeks — a timeline shaped in part by the scope of what the installation actually required. When Hunter Lipthrott’s crew arrived on May 26, the job wasn’t just a shingle installation. It was a full double tear-off followed by a new system, start to finish, on a 47-square brick ranch in Columbia County.
Florida’s building code is explicit on this point: when an existing roof already has two layers of shingles, both layers must be completely removed before a new roof system can be installed. The restriction exists because stacking a third layer creates structural load problems and makes it nearly impossible to properly inspect the roof deck — the wooden substrate beneath the shingles — for damage, rot, or deterioration that would compromise the performance of the new system above it.
Laura’s roof had two layers on it. That means at some point in the home’s history, a previous owner or contractor added a second set of shingles over the original rather than tearing off and starting clean — a common cost-saving shortcut that kicks the problem down the road. On a 47-square roof, stripping two full layers means roughly twice the tear-off labor, twice the disposal volume, and a full deck inspection before a single nail of new material goes in. It’s a more demanding job than a standard single-layer replacement, and it’s the kind of pre-installation work that doesn’t show up in the finished photos but directly determines how long the new system lasts.
Once both layers were off, the crew had full visibility of the roof deck — every board, every edge, every point where hail impact or water infiltration from the damaged shingles above might have found its way through. A deck inspection after a double tear-off is as much diagnostic as it is preparatory: you’re looking for soft spots, delamination in the OSB or plywood panels, rust at nail penetrations, or any area where the structural substrate has been compromised and needs to be addressed before the new shingles go on. Getting the deck right is what allows the warranty above it to mean something.
Lake City sits at the intersection of I-75 and I-10 in Columbia County — the crossroads of North Central Florida. Geographically, it sits in the transition zone between the Suwannee River lowlands to the west and the Osceola National Forest to the east, and it experiences weather patterns that differ from the coastal and peninsula markets to the south. Columbia County is in a corridor that sees significant severe thunderstorm activity, including supercell development that can produce large hail — the kind that leaves visible bruising on shingles, fractures the granule surface, and compromises the mat underneath in ways that accelerate aging and create infiltration vulnerabilities that don’t always show as an immediate leak.
Hail damage on a low-slope 4/12 roof is particularly consequential because the near-horizontal angle of the surface presents a larger target area to falling hail than a steeper pitch would. Every square foot of a 4/12 roof faces upward at an angle that intercepts hailstones close to head-on. Across 47 squares, even a moderate hail event produces thousands of individual impact points — and the cumulative effect of that many impacts on an aging shingle system is what turns a weather event into a total roof replacement.
Color choice on a roof is a decision that reads from every angle of the property — from the street, from the driveway, from a hundred feet away. Dual Black is IKO’s near-black colorway: a deeply saturated charcoal that the dimensional layering of the shingle gives depth and texture, so it reads as a rich dark surface rather than a flat coat of paint. On Laura’s home — deep red-brown brick, white porch columns, a covered front porch that runs the width of the entrance — the Dual Black does exactly what a high-contrast dark roof should do on that exterior. The brick and the near-black shingles frame the white porch details cleanly. The roofline becomes the architectural anchor that holds the front elevation together. It’s a combination that looks intentional and settled, the kind of color relationship that makes a North Florida brick ranch look like it was designed with that roof in mind rather than re-roofed after a hail storm.
The Iron Clad Protection warranty covers the shingle for 15 years on a non-prorated basis — meaning the coverage doesn’t diminish year over year. A manufacturing defect that shows up at year ten is covered at the same level as one that shows up in year one. For a homeowner who just spent months fighting an insurance dispute through the court system to get a roof replaced, a warranty that doesn’t depreciate its own value before the homeowner can use it matters. Laura went through a significant amount to get to installation day. The warranty she’s walking away with reflects that effort.
At 47 squares on a 4/12 pitch, this is a large, relatively flat installation. Low-slope roofs hold water longer than steep ones, generate less thermal cycling variance across the surface, and — critically — present more consistent wind exposure across the entire field. On a pitch this low, wind uplift acts more uniformly, which means the fastener pattern and the shingle’s adhesive strip engagement matter across every row, not just at the edges. IKO’s shingle construction incorporates a self-sealing adhesive strip that activates with heat after installation — in a Lake City May, that activation happens quickly, and once sealed, the bond between shingle courses is what holds the field against the kind of sustained wind that North Florida thunderstorms deliver.
Hunter Lipthrott has more than eight years in residential roofing, certified across GAF, CertainTeed, and IKO product lines and holding NRCA Pro certification — the National Roofing Contractors Association’s field technician credential, which requires demonstrated installation proficiency across roofing system types. On a job that combined a double layer tear-off with a 47-square installation on a hail-damaged deck, Hunter’s role started well before the new shingles: managing the tear-off sequencing, directing the deck inspection, and making sure the substrate condition was documented and addressed before the new system went on. He serves Columbia County and the broader North Central Florida market from J&M Roofing’s St. Augustine branch.
The photos from May 28 — two days after installation — were taken under overcast skies with building storm clouds. The irony of photographing a hail-damage replacement roof under a dramatic storm sky isn’t lost on anyone who’s been through what Laura went through to get here. What the photos show is a 47-square Dual Black roof on a brick ranch in Columbia County: the near-black shingles consistent across the full expanse of the roof, the contrast against the brick sharp and deliberate, the porch and garage sections reading as one unified surface. The double tear-off that preceded it, the two full layers of old material that left the property in the disposal load — none of that shows in the finished image, which is exactly how it’s supposed to work.
Laura’s home is covered by a new roof she fought to get. The warranty is non-prorated. The deck underneath was properly inspected and cleared. The installation meets the code requirements that the previous re-roof, at some point, bypassed. From here, the roof does its job.

J&M Roofing’s St. Augustine branch serves Lake City and Columbia County, along with Alachua, Duval, Flagler, St. Johns, and Volusia counties across Northeast and North Central Florida. If your home has sustained hail or wind damage and you’re navigating an insurance claim — or if a previous roof inspection has flagged multiple existing layers that need to come off — our team can assess the full scope of the job and give you a clear picture of what’s actually required.
Call J&M Roofing’s St. Augustine office at (904) 320-1968. We’re available Monday through Friday, 8 AM to 5 PM.
