Dealing with Hail Damage: Prevention, Inspection and Repair
Hailstorms can wreak havoc on roofs, causing significant damage that may lead to water infiltration and other problems. While it’s challenging to completely avoid hail damage, there are steps you can take to minimize its impact. This article provides guidance on detecting hail damage early, taking prompt action to repair or replace the roof, and considering the installation of impact-resistant roofing shingles.
How to detect hail damage on your home’s roof.
DETECTING HAIL DAMAGE
After a hailstorm, it’s crucial to assess your roof for any signs of damage, even if neighboring houses seem unaffected. Look out for the following indicators around your property:
- Stripped leaves on plants
- Dents on cars
- Damaged air conditioner units
- Evidence of exterior furnishing damage
GETTING A PROFESSIONAL ROOF INSPECTION
To ensure a thorough examination, it’s recommended to schedule an inspection with a trusted roofing contractor. While some damage may not be visible from the ground, a professional can closely assess the roof’s surface and components, including flashing, vents, skylights, gutters, and chimney caps or covers.
Surface Hail Damage: Surface damage is easily identifiable on asphalt shingle roofs. Check for the following signs after a hailstorm:
- Small divots
- Round black areas
- Bruises
- Loss of protective granules, which may accumulate in gutters and downspouts
HIDDEN AND RELATED ROOF HAIL DAMAGE
Not all hail damage is visible on the surface. Some damage, such as shingle splitting, may only be detected by examining the backside of the roof shingles. Consult a professional roofing contractor for assistance in inspecting and addressing such hidden damages.
DISTINGUISHING HAIL DAMAGE
It’s essential to correctly identify hail damage to determine the appropriate course of action, including warranty and insurance claims. An experienced roofing professional can differentiate hail damage from other types, such as blistering and cracking caused by UV degradation, scuffing from installation, wind and debris defacement, or worn-out shingles. Once the damage is identified, the contractor can provide an estimate and recommend necessary repairs or replacement.
ADDRESSING HAIL DAMAGE
Repairing hail damage promptly is crucial to prevent further issues. If water is seeping through the roofing system, immediate action is necessary to mitigate potential water damage. Granule loss on shingles can also affect their performance and lifespan, making repairs or replacement essential.
PREVENTING ROOF HAIL DAMAGE
While complete prevention is impossible, proactive measures can minimize the impact of hailstorms. If you live in a hail-prone area or anticipate hail, consider installing roofing materials designed to withstand higher levels of impact, such as Class 4, impact-resistant shingles. Additionally, this choice may make you eligible for a homeowners’ insurance discount. Consult your insurance agent for further information.
INSURANCE COVERAGE FOR HAIL DAMAGE
Most insurance policies cover hail damage, but it’s important to review your homeowner’s policy thoroughly, particularly if you live in a hail-prone area. Some common considerations related to hail insurance claims include:
- Filing a claim within a specific timeframe (usually one year)
- Payment of a deductible before insurance coverage kicks in
- Potential premium rate increase after filing a claim
- Percent-based deductibles in high-hail-frequency states Contact your insurance agent for further details and clarification.
TIPS FOR HANDLING DAMAGE CLAIMS
When choosing a contractor, gather references, read reviews, and compare estimates. Verify their certificates of insurance and licensing, if required in your area. Inform your insurance company promptly to initiate a claim, using available mobile apps, online tools, or direct communication. If your contractor agrees to work with the insurance company, ensure clear communication about responsibilities and necessary steps.