How Badly Can Hail Storms Damage Your Roof?

 How Badly Can Hail Storms Can Damage Your Roof

The damage that a hail storm has caused may not be seen afterwards.

The size of hail varies widely from a marble to one that is larger than a basketball. The largest to date was found in Nebraska on June 22, 2003. It measures seven inches in diameter. Before this, the largest that measures 5.7 inches in diameter was recovered way back in 1970 in Kansas. Obviously, you can expect bigger damage when the hail is larger. The strength of impact is a major factor.

Hail storms are a big problem in the United States. Aside from roofing damage, they can also ruin crops, dent cars and injure people. The highest cost of damage due to a hail storm in the United States was dated July 11, 1990. It happened in Denver and the damage to properties cost $625 million.

It is hard to measure how much roofing damage a hail storm could do. Generally, when hail falls on a roof, it can damage the granular surface loosening it and making it susceptible to future damages such as leaks. It can result in decreasing the roof’s life span but leaks in the roof do not typically occur immediately. The damage that a hail storm has caused may not be seen afterwards either but you will realize that there is a damage if your roof needs to be replaced sooner than it should have been.

You can tell that there’s roofing damage if there are dents on the roof from where the hail impacted and spots where the granulation was removed in such a way that the asphalt is exposed. If you think that the hail storm damaged your roof, call a professional and have it inspected. If the roof is proven to be damaged by a hail storm, you can file a claim with your insurance company. Whether or not the replacement is covered will be determined by your policy. However, keep in mind that filing a claim may cause the premium to increase and most insurance companies do increase rates after damaging weather incidents like hail storms.

Additionally, you should be careful in choosing a roofing contractor. You may find contractors who go on every house in an area that was affected by a hail storm offering free roof inspections. Do not hire a roofer unless you are certain about his credibility and experience. Hail storms attract a type of roofer known as a stormer. A stormer is someone that comes in from out of town just because they know a major hail storm just came through the area. They’ll help repair your roof but won’t stick around to back the warranty. It is also not recommended that you pay a contractor before a service is provided. Reserve the payments until the work is complete and the cleanup is done.

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Is the Estimated Cost of Roofing Damage Repair Correct?

Is the Estimated Cost of Roofing Damage Repair Correct?

Make sure that you get the right roof repair or replacement estimate.

Most roofing systems come with one to three decades of warranty. However, insuring your home is still necessary since the warranties for a roof do not cover incidents like fire and hail storms that could extensively damage the roof. When it comes to home insurance claims, the insurers will usually try to lower the repair estimate. Make sure that you get the right estimate. Here are some tips.

When you file a claim, the insurance company may send an adjustor who may underestimate the cost of fixing a damaged roof. Many insurance companies are guilty of this and it is not right. Sometimes, the insurance company will also send an adjustor for the second time with a bit higher estimate but still very low estimate. Remember the adjustor works for the insurance company.

It is easy to know if the insurance company’s adjustor is guessing or if he already has an amount in mind even before he leaves the office. A real adjustor who wants to give an honest estimate would climb up to see the roofing damage, however, whether or not he climbed up on the roof to check for damage matters only slightly. What you want to do is call a professional roofer to look at the damage. It will also help if you could get estimates from different roofing contractors. It is good if the roofing contractors have close estimates that are higher than the insurance company’s estimate.

Sometimes, the insurance company will agree to increase the repair cost. Other times, they will not unless the case ends up in a lawsuit. If you feel they are low balling you hire a lawyer who is an expert in insurance cases. Most attorneys offer a no claim-no fee payment system so the high cost of hiring a lawyer is not a problem.

Other things you can do if you think the insurance adjustor low balls the repair cost estimate is to take some pictures of the roof from different angles. You should also take a picture of what damaged the roof such as hail. It is best if you could use a date stamp in taking photographs.

Normally, repairing a roof can be expensive but there are many factors that determine the repair cost. Some of the aspects that the roofing contractors check when giving an estimate are the dimensions, roof slope, difficulty, layers that need to be torn off, material, and ridge vent. The price goes up if you have skylights and chimneys, too. So making sure your insurance company will cover as much of the cost as possible is something you want to do

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