Hail And Roof Damage

Hail damage can either be functional or cosmetic in nature.

Hail and roof damage. Hail damage is one of the most common claims on homeowners insurance. Hail damage can also be affected by the number of shingle layers on a roof. An insurance adjuster knows the difference between roof damage from hail versus regular wear and tear. Changes in wind conditions can affect the location.

While some damage can be easy to spot you may not always be able to see the damage hail has done to your roof. Types of roof damage covered by your insurance will depend on the policy s terms and the reasons your roof needs to be repaired or replaced. Typically a policy covers problems that are sudden or. Even seemingly minor hail storms can cause significant problems that you might not notice until the damage increases over time and creates openings that may be harder for a roof leak repair or even require a replacement roof.

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. 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. Damage appearing on one side of the roof bruises or dark spots appear on shingles in a random pattern. It accounts for nearly 70 percentof insured property losses from severe storms every year.

Identifying hail damage to your roof wind during a hailstorm wind direction and wind speed can vary. Hailstorms can cause serious damage to a roof. Roofs with multiple shingle layers may be damaged by smaller hail stones due to a softer support surface directly under the top shingle layer. Second layer shingles are more susceptible to damage than first layer shingles because the surface directly underlying the shingle is less supportive than dense wood.

The impact from a hailstone can bruise or crack roofing shingles potentially leading to water damage in your home. Fortunately most basic homeowners insurance policies cover structural property damage from hazardslike hail. 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. Hail storms can cause a wide range of damage to your roof and your property in general.

Gutters are also susceptible to hail damage.