Learning About Hail Damage
Missouri is known as the “Show me” state, and after a hailstorm has come through, that is exactly what insurance companies tell homeowners. “Show me” the damage you’re filing a roof hail damage claim for, and for that, you should have it professionally inspected by a roofing contractor.
What should I do if I think my roof has been damaged by hail?
It is important to take the right steps when it comes to experiencing roof hail damage on your lake house or permanent home. Either way, you want the end result to be your home or lake house is dry and safe. Three things you should do when you believe you may have roof hail damage are:
- Perform a Visual Inspection
Once the hailstorm has stopped, they’re usually quick downpours, then walk around your home or lake house and perform a visual assessment for possible roof hail damage. Standing on the ground with binoculars, check for loose or missing flashing, shingles, roof discoloration, and any wood exposure along the fascia. Check the gutters and downspouts, and inspect your siding, and windows, including the window frames.
- Schedule a Roof Inspection
After you complete your own roof hail damage visual assessment, if you find any, schedule a professional roofing contractor to inspect your roof. These are often free when you use their services for any roof repair or replacement. Why call a roofing contractor first? Because they are on your side! The next step will get an insurance adjuster out to inspect your roof and they are on the insurance company’s side.
- Call the Insurance Company
Now is the time to call your insurance company for a roof hail damage claim. As we stated above, an insurance adjuster will be assigned to your case. The adjuster will contact you to schedule an appointment. If possible, have your roofing contractor present for the inspection.
What are the signs of roof hail damage?
If you’ve never experienced a Texas hailstorm, you may be wondering how you can tell if you have proof to file a roof hail damage claim. It can vary based on the type of roofing material your home has, but for the sake of this conversation, we’ll review what asphalt shingled hail roof damage looks like:
Random damage with no discernable pattern.
- Black pot marks on the shingles
- Soft spots on the roofing shingles
- Shingles with missing granules
- Exposed roofing felt
- Shiny asphalt
Does my insurance cover hail damage to my roof?
Most basic homeowner’s insurance policies provide coverage for roof hail damage. There are some factors that can cause the insurance adjuster to deny your claim and even recommend the company cancel your policy. Those factors can include the insurance adjuster determining whether the roof was old or in need of repair prior to the hailstorm damage.
Upon inspection, if they find the existing roof is a re-roof job, they can deny your roof hail damage claim or could cancel the policy. A roof that indicates the homeowner has neglected it by not having repairs done as needed or has kept the gutter clear of debris.
How long does it take to repair roof hail damage?
This will depend on how much damage your roof has sustained and what type of roofing materials your roof requires. In most cases, roof hail damage repairs can be completed within one to four days if the materials are accessible. If the hail damage is widespread, there may be several other houses needing the same materials, creating a shortage, which will delay your roof repairs.
What type of roof is most resistant to hail damage?
A standing seam metal roof is the most hail-resistant roofing material. This includes resisting the large-size hailstones that Texans experience, (everything in Texas is bigger), and remain weather tight.
Can hail damage cause a roof leak?
Absolutely, depending on where the roof hail damage is located and how severe the damage is. A roof that is close to its end-of-life can be damaged more than a newer roof, which is why an insurance adjuster would deny any hair roof hail damage claims. The thinner and worn the existing asphalt shingles are, the more likely the roof hail damage will be extensive.
Pitter Patter On The Roof Top
As much as we think of pitter patter being a delicate sound, when it comes to hailstones, that pitter patter is probably going to leave you needing roof hail damage. Stay on top of keeping your roof clear of debris and tree branches, keep trees cut back from the roof, and keep the gutter clean are all things you can do to minimize the chance of needing to file a roof hail damage claim. In addition, get roof repairs done as soon as you notice they are needed, as well as getting a new roof in a timely manner can help too.
If you need help with a roof hail damage in Osage Beach and Lake Ozark, MO, the team at Thompson Roofing & Reconstruction is here to help! Give us a call at (573) 789-8367 for assistance.