Storm Damage

Hail and Wind Damage

 

How do I know if I have hail damage?

If it has stormed recently, it is a good idea to have it checked out. A close inspection of the shingles has to be made from the roof. You cannot tell if there is damage from the ground.

If I think I have hail damage, what should I do?

Call your insurance company and ask for an adjuster to come inspect your roof for hail damage. After the adjuster, you can call a roofing company to complete the same inspection.  If there are any discrepancies between the adjuster's findings and the roofer's findings, you may call for a re-inspection, where the roofer and adjuster complete an inspection together. 

What does hail do to a roof?

Shingles are designed so that the granules block the UV of the sun and protect the asphalt underlayment.As time passes, the granules fall off the shingles. As the asphalt is exposed the UV, it dries out and the corners start to curl up. A shingle at the extreme end of its life is bubbled in appearance and is brittle to the touch.  This is considered normal deterioration of the shingle.

Hail, however, does several things:

*Accelerates granule loss.

*Accelerates shingle aging.

*Voids manufacturer's warranties.

*Leads to other associated problems.

Do I need to get my roof repaired right away?

The hail damage poses no immediate threat to the structural integrity of the roof. However, you may need to check with your insurance company of how long their claim may be viable. However, it is also important to address the problem in a timely manner before it leads to other associated problems.

What does a hail hit look like?

When hail hits the shingle, it appears to look like a "bruise" or a dark spot where the granules on the shingle have been knocked off.  The asphalt underlayment and sometimes the fiberglass mat is also exposed.

What is my insurance company's role?

The insurance adjuster needs to determine damage due to the hail.

The insurance company must determine two things when assessing the amount of your loss:

*Was there sufficient damage to the roof to declare it a total loss? (Usually determined by 10 verified hail hits per 100 square feet.

*What is the size of the roof and how many shingles will be needed to replace the roof

The purpose of home owner's insurance is to protect homeowners against losses in their property's value due to damage that is beyond their control. If you have hail damage, you have experienced a financial loss in that your original investment of a 20-year roof (for example) has now been reduced to a 5-10 year useful life span. Your insurance company will compensate you for your loss and replace your roof.

Why does the estimate read that there are more shingles to replace than there are to remove?

The amount of shingles to remove from your roof is the actual amount of square feet that it takes to shingle your roof. However, when putting on shingles, some shingles have to be cut to fit dimensions, ridges, hips and valleys. The insurance company adds 10% to regular ridge roofs and 15% to hip and ridge roofs to account for the loss of shingles.

In my adjustment, my insurance company deducted some money due to depreciation, what does that mean?

Different insurance companies call the amount that they hold back different things. Depreciation represents the amount of money the company will keep until a signed contract with a contractor for the work is presented . When they receive a signed contract, you will receive another check for the amount they have held back.

Wind Damage

How can I prevent damage by high winds?

Roofs are designed to resist the typical wind loads of their location, but no roof is likely to withstand the most extreme wind event: tornado. There is a whole range of wind speeds that can damage the roof system. Nowadays, roof shingles are better designed than their predecessors in terms of wind resistance due to ever-increasing standards and knowledge. Nonetheless, there is often little that can be done to prevent wind damage in the most extreme conditions.

How do I know if my roof has been damaged by high winds?

Wind does not hit all parts of the roof evenly. Some areas experience greater force, while others may not be impacted at all. It is not uncommon that wind-damaged roofs appear to be affected only in particular spots. The most common visual that the roof has been damaged is that shingles have been peeled upward.

Always remember that although there may not be evidence of damage after one major storm; over time, there is a cumulative effect that can further weaken the entire structure.

Winds+ Debris= Possible Roof Damage

Often more damaging than the wind itself is the flying debris that powerful storms can cause. Trees with branches that hover over the roof are potential causes for damage as well and should be trimmed as a general precaution. One of the best preventative measures is to ensure your trees are properly groomed.

I think I have damaged shingles. Now what?

First step is to connect with your insurance company and roofing contractor on how to repair or replace the damaged roof.

 

 

 

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