Hail Damage To Shingles
Hail Damage To Shingles
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Common Insurance Misconceptions Regarding Hail Damage
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If your home has recently been through a severe hailstorm,it is possible your roof has experienced at least some hail damage. This weather phenomenon can destroy shingles,chimneys,and any metal roofing parts. As time goes on,this can cause even more serious issues with your roof,including leakage. That is why it is crucial to have your roof inspected by an insurance adjuster. The following are some common misconceptions insurance coverage after a hailstorm.
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There Are No Visible Issues With the Roof
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Your roof will need to be inspected by a qualified adjuster to ensure that there is nothing wrong with the home. The adjuster will look at any problems around the shingles,vents,and chimney. They will also take a look at the guttering and downspouts to ensure they are still working properly. Hail damage is not always easily visible,so it is crucial to have a professional assess the area.
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The Shingles Are Present
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It is not uncommon to find shingles strewn about after a storm with significant amounts of wind and hail. Although this is caused by the wind it doesn’t mean that heavy rain can’t cause problems as well. The strong impact on shingles can cause them to become brittle. The likelihood of roofing problems will be strong if any sandy substance appears in the downspouts.
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Roof Hail Damage: What Should You Do?
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There’s a good possibility that you will require an inspection for damage to your roof at some point in time if you live in Texas.
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Thunderstorms are frequent in Texas and other states of the heartland. They can cause serious property damage due to winds,lightning, and hail. While tornadoes are generally viewed as the most destructive element of an event,they typically only affect just a few structures prior to they disperse. A hailstorm is often able to strike thousands of homes in big cities once it has passed through. The damage to the roof may be evident from the ground however,most times, a roof inspection is required to find out if the damage is present. If your home has been damaged by hail, you will require an initial inspection,call the insurance company, and then select a roofing contractor to complete the work.
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Top Signs of Hail Damage On Your Roof
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1. Be sure to look for loose asphalt granules close to your down spouts
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When hail falls on your roof, it will take the top layer of granules from your roof shingles. The granules,once mixed with rain,end up in your gutter and the area where water flows from your downspout. To check for loose granules,look in the gutters as well as near the bottom of the downspout. You can tell whether your roof is damaged if you see loose particles.
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2. Downspouts,gutters,and any other metal part could be damaged
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Hail can cause damage or damage to thinner metals like the ones that are on gutters and down spouts. The chalk from the sidewalk could be used to check for dents. If the chalk isn’t visible in the down spout, there is an indentation. You should also inspect items in your yard,such as garage doors,barbecue grills and patio furniture. Your roof may be damaged if there is evidence of dents.
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3. Check that you have your A/C unit checked
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Condenser coils are part of A/C units. The coil is comprised of fine aluminum fins that are usually exposed to the elements. They bend when hail strikes them,and they stop moving heat through the fins. Even if only 10 percent of the fins have been bent, this can have an adverse effect on your unit. If you discover that the unit has bent fins this is a strong sign of hail damage on your roof.
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4. You may climb a ladder all the way to the edge of your roof when you are comfortable.
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From the edge of the roof it is possible to see loose granules that are in the gutters. You can also try to identify dents in any vents,or look for scratches on valley metal. Hail damage on the shingles is hard to spot by the untrained eye.
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5. Keep up-to-date with the most recent news
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Ask your friends if they were at home when the storm hit. Also,be sure to look up news stories. Just because cars aren’t dented does not mean that your roof isn’t damaged. Asphalt shingles are more vulnerable to being damaged than cars are,due to the fact that shingles don’t consist of metal.
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A Quick Guide to Identifying Hail Damage and Getting It Fixed
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Hailstorms can be unpredictable and frightening. At one moment it may seem like it’s going to pour,but then huge spheres of ice start hurling down. While it is possible to find shelter for your car,not much can be accomplished for your home. There are however steps that can be taken in the aftermath to ensure the integrity of your property.
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If a storm passes you should inspect your home for damage caused by hail to avoid any further damage from happening. Following a storm,the roof is usually the first area to be affected. It’s all about the materials were used.
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Examine the roof’s upper and lower regions for dents. Your home may be at risk of water leaks in the event that any seams have been damaged. Check for indications of damage or deterioration on the soft metal surfaces surrounding your house,including gutters and vents.
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Does Your Roof Have Hail Damage? Here’s How to Tell
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There are a myriad of circumstances that could affect your property or business which includes natural catastrophes. There are many factors which could cause damage to your property,such as fallen trees, strong winds tornadoes and the like,one of the most prevalent and demoralizing problems that weather could cause is hail damage.
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Hail damage is often difficult to stop. A hailstorm of sufficient size can cause significant damage to the roof. Hail damage to a roof can be anything, from small nicks or depressions in the shingles to large-scale leaks in the roof boards. To avoid further damage to your property,it is important to quickly assess and repair any roof damage. If you have recently endured an area of hailstorm,though,how do you know whether the hail damaged your roof? How can you spot storm damage?
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If it’s not too late make sure you inspect your unaffected roof prior to the spring showers.
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It’s possible to recognize hail damage when you have the correct reference. Knowing the roof’s condition before the hailstorm is one the best ways to spot any damage. If,for example, the homeowner is aware that their roof is in great condition,and it is hit by a hailstorm, they’ll have a solid frame of reference for identifying the exact damage hail has caused. Of course, perhaps there is a roof that is damaged already. In this case,identifying hail damage is just an extra bit of work.
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Hail Damage To Shingles FAQS
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If There is Only a Small Amount of Damage,Should I Still Repair My Roof?
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Even if you only have a small amount of damage,you must have it repaired to protect the true structural integrity of your roofing system. Neglecting to repair small damages can lead to costlier ones down the line,like water damage.
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Will My Insurance Carrier Drop Me if I File a Roof Repair Claim?
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Since storm damage is something that is mostly out of your control,it is very unlikely that your homeowners’ insurance carrier will drop your policy. In fact,it is illegal for them to do so in most states. It is possible that there are exceptions to this rule,but in most cases,your policy will not be canceled for filing a storm damage repair claim.
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Will My Insurance Carrier Increase My Rates if I File a Roof Repair Claim?
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It is common for insurance carriers to raise everyone’s rates across the board after a severe storm or natural disaster. One way to look at this is that you should file a claim for repair since you are already going to help pay for everyone else’s. It is possible that there are exceptions to this rule as well.
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Why is My New Roof Not Covered By the Manufacturer’s Warranty?
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It is very common for roof product manufacturers to exclude hail repairs in their warranties. In fact,several warranties specifically name hail as a non-covered repair. Keep in mind that newer roofs are more prone to hail damage since they have not yet had ample time to cure and gain resistance against the natural elements. To avoid this problem,talk to a trusted contractor about the affordable hail damage protection options available to you.
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Do I Have Storm Damage if All My Shingles are Still Intact?
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Missing shingles are not the only indication of storm damage. A storm can cause all sorts of problems for a roof,many of which are undetectable at first glance. For this reason,it is important to understand that your roof may still have been damaged in a severe storm even if it looks like it is in the same condition as before.
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