Hail Roof Damage – What to Look For
If you live in an area that is subject to hail, then you will want to know how to detect hail Roof damage so that you can claim it with your insurance company.
It does take a trained eye to easily spot it with one look. But if you know what to look for, you can survey your own Roof for a preliminary look.
If you have a good idea that you do have Roof damage caused by hail, you can then call your insurance company for their own surveyor with more confidence.
Gutters And Vents
According to experts, gutter down spouts are a good place to look for signs of damage as are vents. It would be a good idea to walk around and do a visual inspection of these areas after a hail storm.
If you have asphalt shingles, what you would need to look for are asphalt granules that have been knocked off.
If you have just gotten a new Roof put on, you might get granules from the new shingles for a little bit until your Roof gets worn in. What you will need to look for is an excessive amount, much more than usual.
If the hail is strong enough to create a dent by dinging our metal gutters, then it is probably also strong enough to damage your Roof.
Walk Your Roof
Do this only if it is safe. What you are looking for are little dings. If you see more than 1 every square foot, then you will need to get your Roof replaced.
Once damaged, moisture can cause your shingles to quickly deteriorate and start to let water into your home.
Roof Replacement Needed Because of Hail Damage – Should My Insurance Company Pay For It?
If you live in a city where high winds and hail are just a part of life, your home can be damaged by these and you may not be aware of it. Now you’re probably like most people and wonder if it’s worth making a claim for something that didn’t do “noticeable” damage? The answer is YES. Both wind and hail storms can seriously affect the integrity of your Roof, Siding, windows and gutters without leaving obvious damage. The result could be a major costly problem in a year or so, and by then it will be too late to have the insurance pay for it. Why? Because there is a time limit with most insurance carriers on how long after a storm that you can still file a claim. Now after that time period is up, your insurance carrier will not only agree that you have storm related damage, but the may also deny any future claims because you never had the necessary repairs made.
Most people are understandably confused by the claim process. Unfortunately there are a lot of myths out there, some of which are: If I file a claim, then I’ll lose my coverage or it will raise my premium. FALSE. There are state laws in place to protect you from that happening. The Insurance Company will send its own Roofer out to do the work and I won’t have any say over the quality or schedule of the work. FALSE. You the homeowner are responsible for choosing the contractor that you are most comfortable with. My Roof is new so it’s covered by the manufacturers warranty. FALSE. Warranties become null and void after a storm has caused damage.
So to conclude if there was a hail storm in your area or you suspect damage call a professional company to determine whether or not you should file a claim for storm related damage.