Hail Damage

10 Things a Homeowner Should Know

Hail Damage

1.   How do I know if I have hail damage ?

If you’ve had hail in your area you will need a roof inspection to determine whether or not there is damage. You cannot usually tell from looking at the roof from the ground.

2.   I have hail damage, what should I do?

You should call your homeowner’s insurance company and ask for an adjuster to come out and inspect your roof for hail damage. You would then call a qualified roofing contractor and schedule a roof inspection with them as well. Once you have obtained the two inspections you should compare them for any discrepancies between what the adjuster found and the roofing contractor found. If there are discrepancies you would then request a re-inspection so your adjuster and the roofing contractor can meet and go over the roof together.

3.   What does hail damage do to a roof?

Hail damage to a roof causes the acceleration of granule loss. Shingles are designed so that the granules block UV of the sun and protect the asphalt underlayment. As shingles age the granules fall off over time and then the asphalt is exposed and begins to dry out and the shingles become brittle.

  • Hail damage accelerates the roof shingles aging process.
  • Hail damage can void the manufacturer’s warranties.
  • Hail damage can lead to other problems associated with the damage.

4.   When my roof experiences hail damage should I have my roof replaced right away or can I wait?

Hail damage may not pose any immediate structural issues of the roof however, many insurance companies have a statute of limitations of how long you have to process a claim. It is also important to take care of the hail damage right away before it leads to anymore problems.

5.   What does my roof look like when it is hit by hail?

A hail hit on a roof shingles looks like a dark spot where the granules on the shingle have been knocked off and the asphalt underlayment may be exposed. Right after your roof is hit with hail it will have a shiny look because the asphalt was just exposed and has not had time to age or get a dull color.

6.   Why would my insurance company replace my roof?

Homeowner’s insurance is to protect homeowner’s against a loss in their property value due to damage that is beyond their control. If you have hail damage, you have experienced a financial loss. For example, an original investment of a 20-year roof has now been reduced to a 5-10 year useful life span. Your insurance company will compensate you for your loss and replace your roof.

7.   Why are there more roof shingles to replace then there are to remove on my estimate?

The amount of shingles to remove from your roof is the actual amount of square feet that it takes to shingle your roof. However, when putting on shingles, some shingles have to be cut to fit dimensions, ridges, hips and valleys. The insurance company adds 10% to regular ridge roofs and 15% to hip and ridge roofs to account for the loss of shingles.

8.   Are there going to be any out of pocket expenses for my hail damage?

The only out of pocket expenses you will incur is your insurance deductible. Some contractors are willing to give you a discount for the amount of your deductible if you reward them the contract.

9.   Why did my insurance company deduct some money for depreciation?

Insurance companies all have something different they may call this depreciation or a holding fee. What is represents is the amount of money the company will hold back until they receive a signed contract from you and a contractor for the work. When they receive a signed contract, you will receive another check for the amount they have held back.

10.   My insurance adjuster said there was no hail damage on his first inspection and the roofing contractor said there is hail damage on his first inspection. What should I do when this happens?

There is a possibility that the insurance adjuster was unable to determine the hail damage due to experience or other reasons. This is when you would request a re-inspection of the damage. The best results for the homeowner are obtained when an experienced roofer walks through with the insurance adjuster and goes over the damage together.

Don't wait!

If you believe you have hail storm damage..

It is important to take care of the hail damage right away before it leads to anymore problems.