Great article by Don Ryan!
The storm has come and gone, did your home suffer any roof hail damage? Hail storms
are capable of producing hailstones up to 6″ in diameter. These balls of ice fall from the
sky with no regard to your roof. The larger a hailstone is, the faster it will fall, potentially
causing more damage to your home.
Many factors play into how much damage a hail stone may cause. Size of the hail, wind
speed and direction are only a few pieces of the puzzle. The age of your roof’s shingles,
the type of shingles and if your shingles are “impact-resistant” can all factor in to the
severity of your roof hail damage.
Damage to your roof’s shingles can compromise the effective life of your roof and even
if not immediately visible, may lead to large scale problems if not identified in a timely
manner. Here are a few tips which will help you properly identify roof hail damage.
Tip #1: Is there any visible damage on the inside of your home? If you see water stains
or slow drips on the inside of your home, then you have a problem which requires
immediate attention. A new water stain on your ceiling is most definitely a sign that
your roof was compromised. If left untreated, the problem will worsen leading to further
damage which may require a complete tear-off of your existing roof, not to mention
repairs to the interior of your home.
Tip #2 Are there any visible dents (blisters) on your roof’s shingles? Just because you
don’t see any damage to the inside of your home does not mean your roof was not
damaged. When there is no visible damage to the inside of your home, it may provide
a false sense of security. By neglecting exterior damage, you run the risk of damage
to your home in the months to come. Even worse is if you don’t file an insurance claim
within the time guidelines stipulated in your homeowners insurance policy, you may lose
benefits that you are entitled to now.
Identifying shingle blisters requires a visible inspection of your roof. Sometimes blisters
may be hard to see. It can be helpful to look for small dings on metal or aluminum vents,
downspouts or gutters. It is typically easier to identify these marks than blisters on your
shingles. If you believe you have visible evidence of damage, it is suggested that you
contact your insurance agent immediately to express your concerns and to find out what
your policy covers and the procedures necessary to file an insurance claim.
Tip #3 Get your own independent professional opinion. There’s no denying when a hail
storm has blown through town. The National Weather Service records all storm data. If
there is knowledge of a storm, and you contact your insurance company, they will most
likely dispatch an adjuster. That adjuster represents your insurance company. His job is
to identify damage, assess the cost to repair or replace your roof and make sure all of
the paperwork is in order to process a claim.
It is suggested that you contact a local roofing company that is trained in hail damage
roof repair for an independent opinion prior to your insurance adjuster performing
their inspection. Your roofing company is capable of representing your interests. They
should be willing to provide you an inspection and estimate to repair any damages free
of charge. More importantly, they should be willing to back up their estimate and make
themselves available for mutual consultation with the insurance adjuster. If the adjuster
and roofer can agree on the remedy for the damage and the cost, this can expedite the
process. In most cases your roofer will be awarded the repair job.
Tip #4 Get It In Writing. Most insurance companies will only issue a check directly to
the roofer. This protects the insurance company from the homeowner “pocketing” the
proceeds and never repairing the damage. By getting your roofing contractor to agree
to the type of hail damage roof repair to be performed and the costs involved, this will
insure that your roof gets the required repairs. If your roofer agrees that the insurance
check is sufficient to repair your roof hail damage, then they should be willing to do the
repairs for that cost, nothing more.
Roof replacement or repair due to hail damage can be one of the most expensive
repairs for homeowners and insurance companies. Making sure that you properly
identify roof hail damage in a timely basis, and following the proper procedures will help
protect your family’s most important asset, your home.
In summary homeowners who think they may have suffered storm damage should:
- Look for visible water damage inside your home.
- Look for damage to your roof’s shingles that may compromise the effective life of
- If necessary, contact your insurance agent and file a claim.
- Consult a local roofing contractor trained in Hail Damage Roof Repair to
represent your interests.
Don Ryan is an expert roofing contractor who specializes in Roof Hail Damage. He works for
RoofHailDamage.com, a National Network of local roofing contractors who specialize in storm damage
to homes. To request a free inspection and estimate of your home’s roof, visit their website or call 1-888-