There are the usual rains and light breezes that come throughout the year. These provide good breaks from possible hot weather and even water the lawn and gardens. These kinds of weather are not the type that would typically damage a home.
There are however, times when weather can come in with fierce winds and large to enormous hail. Such events would be noted in the events of a hurricane or tornado. The problem is that many residents know to check their home after a huge natural disaster, but not for hail.
It is common for people in a given neighborhood to notify their insurance of hail damage to their car because it is a huge eye sore on a brand new car. Not to mention the value of the car is significantly reduced when there is a bunch of golf ball looking impressions all over the body. It is common for residents to pay attention to their cars but yet forget about their homes.
If hail has caused significant damage to the area’s cars, then most likely the homes should be inspected also. Often times the only reason a homeowner would notify their insurance company of a problem from a storm is because there are apparent leaks in the building after the event. It is not necessary to have leaks in your home before you notify the insurance company.
It’s possible that when a leak starts occurring in the house it may already too late to get a full Roof replacement from storm damage if the storm was too long in the past. Different states have different guidelines, but usually around 1 to 2 years is the limit for notifying the insurance company of potential storm damage.
There are some things that a homeowner should look for after a major storm. One of course would be active leaking, but this is not the only thing to look for. If there are no active leaks, it does not mean there will not be in the future. Many times the integrity of the Roof is no longer good enough to endure the elements after a major storm.
Another obvious sign of storm damage would be the absence of shingles on the Roof. There can be shingles torn by the wind, lifted, or just blown off all together. If the shingles are lifted and cannot seal properly back down, this could cause big problems in the future. Such problems could include wind driven rain that will seep under the shingles and soak the Roof underneath.
There are other problems that can result from hail that may not be so apparent. The hail may actually leave impressions in the shingles that cause the shingles to no longer be water tight. The shingles also may be damaged enough from the hail strikes that they do not hold up to future rain falls.
Because of the obvious problems that can occur in the future from prevalent hail damage on a Roof, insurance companies have set up guidelines for what is needed to warrant a full Roof replacement. Every insurance company is a little different for the exact requirements that they look for, but they all are somewhat similar.
They usually look for something along the lines of 10 impact marks from hail per 100 square feet. Usually there will have to be evidence in more than one area of the Roof, but sometimes one section maybe all you need.