Hail is one of the most unpredictable and destructive forces of nature. When a hailstorm strikes, it can cause significant damage to your property, especially your roof.
This guide to roof hail damage is designed for homeowners who want to understand the impact of hail on their roofs and how to address it effectively. We’ll cover:
- What hail damage looks like
- Why you should take it seriously
- Steps in the repair process
- How to file an insurance claim
Understanding Hail and Its Impact
The damage to your roof is hugely affected by the size of hail.
The Dangers of Different Hail Sizes
Hailstones can vary in size, from as small as a pea to as large as a grapefruit. The size of the hailstone plays a crucial role in determining the extent of the damage to your roof:
- Pea-sized (1/4 inch): Generally, this size of hail causes minimal damage. However, if combined with high winds, it can still harm shingles over time.
- Marble-sized (1/2 inch): This size is more likely to cause noticeable damage, such as minor dents in soft metals and slight granule loss on shingles.
- Quarter-sized (1 inch) and larger: Hailstones of this size can cause significant damage to roofing materials, including extensive granule loss, bruising, and even fractures in shingles. Tiles and slate can crack, and metal roofs can dent.
What Hail Damage Looks Like
Identifying hail damage on your roof can be challenging if you don’t know what to look for. Here are some common signs:
- Bruises or Dents: These are visible indentations on shingles or metal roofing.
- Granule Loss: Asphalt shingles may lose granules, exposing the underlying material.
- Cracks or Splits: Hail can cause cracks in shingles, especially older or brittle ones.
- Exposed or Damaged Underlayment: Severe hail can puncture or tear the underlayment beneath your shingles.
- Gutter Damage: Dented or bent gutters and downspouts are also common indicators of hail damage.
Why Hail Damage is Dangerous for Your Roof
Hail damage can compromise the integrity of your roof in several ways:
- Water Leaks: Damaged shingles can allow water to seep into your home, causing leaks and water damage to your interior.
- Reduced Lifespan: Even minor hail damage can reduce the lifespan of your roofing materials, leading to premature replacement.
- Structural Damage: Severe hailstorms can weaken the structural components of your roof, making it more susceptible to future damage.
- Mold and Mildew: Water infiltration due to hail damage can lead to mold and mildew growth, posing health risks to your family.
Homeowner’s Insurance and Hail Damage
You don’t have to tackle damage to your roof alone! Oftentimes, the repair costs will be covered by your insurance company!
Will Homeowner’s Insurance Cover Repairs?
Most homeowner’s insurance policies cover hail damage, but the specifics can vary. Here are some key points to consider:
- Policy Coverage: Review your policy to understand what types of damage are covered. Most standard policies include protection against hail damage.
- Deductibles: Be aware of your deductible amount. This is the amount you’ll need to pay out-of-pocket before your insurance kicks in.
- Exclusions: Some policies may have exclusions or limitations related to hail damage. Make sure you’re aware of these before filing a claim.
- Documentation: Insurers often require detailed documentation of the damage. This includes photos, estimates, and reports from roofing professionals.
5 Steps in the Repair Process
Repairing hail damage involves several steps to ensure your roof is restored to its original condition:
1) Inspection:
- Visual Inspection: Check for any visible signs of damage, such as dents, cracks, or granule loss.
- Professional Inspection: Hire a licensed roofing contractor to conduct a thorough inspection. They can identify hidden damage that may not be visible to the untrained eye.
2) Documentation:
- Photographs: Take clear photos of the damage from multiple angles.
- Detailed Report: Ensure the roofing contractor provides a detailed report of their findings.
3) Filing an Insurance Claim:
- Contact Your Insurer: Notify your insurance company about the damage.
- Submit Documentation: Provide all necessary documentation, including the inspection report and photos.
- Insurance Adjuster: An adjuster will visit your property to assess the damage and determine the claim amount.
4) Estimate and Agreement:
- Get Estimates: Obtain repair estimates from multiple roofing contractors.
- Select a Contractor: Choose a contractor based on their reputation, experience, and cost.
- Agreement: Sign a contract with the selected contractor detailing the scope of work and costs.
5) Repair:
- Schedule Repairs: Coordinate with the contractor to schedule the repairs.
- Roof Repair/Replacement: The contractor will perform the necessary repairs or replacement.
- Final Inspection: Conduct a final inspection to ensure the work meets your satisfaction.
How to File an Insurance Claim
Filing an insurance claim for hail damage involves several steps to ensure a smooth process:
Contact Your Insurance Company:
- Immediate Notification: Contact your insurance company as soon as you discover the damage.
- Provide Details: Give them a detailed account of the damage and any emergency repairs you’ve made to prevent further damage.
Document the Damage:
- Take Photos: Document the damage with clear photos from multiple angles.
- Keep Records: Maintain records of all communications with your insurance company and roofing contractors.
Schedule an Adjuster Visit:
- Adjuster Inspection: An insurance adjuster will visit your property to assess the damage.
- Be Present: If possible, be present during the adjuster’s inspection to answer any questions and provide additional information.
Get Repair Estimates:
- Multiple Estimates: Obtain estimates from multiple roofing contractors to ensure you get a fair price.
- Submit Estimates: Provide your insurance company with the repair estimates for review.
Review the Settlement:
- Understand the Offer: Review the settlement offer from your insurance company.
- Negotiate if Necessary: If the offer seems insufficient, negotiate with your insurance company or seek assistance from a public adjuster.
Complete Repairs:
- Hire a Contractor: Once the settlement is finalized, hire a reputable contractor to complete the repairs.
- Final Inspection: Conduct a final inspection to ensure the repairs meet your expectations.
The Cost of Repairs Out of Pocket
If your insurance doesn’t cover hail damage or you choose to pay out-of-pocket, here’s what you can expect in terms of costs:
- Minor Repairs: $200 to $1,000
- Moderate Repairs: $1,000 to $5,000
- Major Repairs or Replacement: $5,000 to $15,000+
We’ll Take Care of Your Hail Damaged Roof
Hail damage to your roof can be a serious issue, but with the right knowledge and approach, you can effectively address it. Understanding the impact of different hail sizes, recognizing signs of damage, and knowing how to work with your insurance company are crucial steps in protecting your home.
Remember, regular inspections and maintenance can go a long way in preventing extensive damage. If you’re unsure about the condition of your roof after a hailstorm, it’s always best to consult with a professional roofing contractor.
For personalized advice and expert assistance, consider booking a consultation with one of our experienced roofing professionals today. We’re here to help you every step of the way.
