The roof hail damage insurance claim process.
Force needed to damage roof by hail.
It s important to correctly identify the type of roof damage so the best action plan can be put into place which may involve warranty and insurance claims.
Hail is a powerful force of nature that can even damage roofs made with concrete tiles if the stones are large enough and wind speeds are high.
The full extent of hail damage on your roof.
Ask for a written evaluation from the roofing contractor that addresses the issues listed above the extent and cause of the damage and the condition of the rest of the roof.
The inspection and report will cost up to 500 but it is money well spent if it is instrumental in getting your homeowner s insurance claim paid.
Wind and hail damage.
When filing an insurance claim it is important to have evidence that the damage you are claiming is new.
Hailstorm damages often lead to cases wherein homeowners need to replace the entire roof.
To combat this many home insurers have implemented different coverage levels.
Because seamless gutters are frequently feature aluminum or copper construction the signs of hail damage include telltale denting.
Even in extreme weather situations damage to a metal roof will take the form of small dents but not puncture break or tear the roof.
Imitation hail damage on a roof.
However they do so only if the property owner can prove hailstorm damage caused the.
You can expect a bigger payout if a storm destroys your 5 year old roof than if your roof was already pushing 25 years at the time of the damage.
An experienced roofing professional should be able to differentiate hail damage from other types of roof damage such as.
Fortunately some insurance providers cover the full roof replacement.
If you suspect that your roof has sustained damage from a hail storm the first thing you need to do is inspect the roof for dents dings split shingles and any leaks and cover any damaged areas with a tarp or similar waterproof material to show the insurance company that you made initial efforts to mitigate the damage.
If your roof contains one layer of common asphalt shingles it usually takes a 1 or above diameter hail stoneto cause damage roof hail damage.
However there are some guidelines.
Metal roofs can handle hail extremely well even better than most other roof types.
Roofs with multiple shingle layers may be damaged by smaller hail stones due to a softer support surface directly under the top shingle layer.
Blistering and cracking caused by uv degradation from the sun.
Hail damage to a roof is usually not the hail itself but the water that can seep through a roof damaged by hail.
Gutters are also susceptible to hail damage.
