Hail And Roof Damage

Fortunately most basic homeowners insurance policies cover structural property damage from hazardslike hail.

Hail and roof 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. 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. 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. While some damage can be easy to spot you may not always be able to see the damage hail has done to your roof.

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. Damage appearing on one side of the roof bruises or dark spots appear on shingles in a random pattern. 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.

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. Typically a policy covers problems that are sudden or. Gutters are also susceptible to hail damage. Hail storms can cause a wide range of damage to your roof and your property in general.

Roofs with multiple shingle layers may be damaged by smaller hail stones due to a softer support surface directly under the top shingle layer. It accounts for nearly 70 percentof insured property losses from severe storms every year. Hailstorms can cause serious damage to a roof. Changes in wind conditions can affect the location.

The impact from a hailstone can bruise or crack roofing shingles potentially leading to water damage in your home. Identifying hail damage to your roof wind during a hailstorm wind direction and wind speed can vary. Hail damage can either be functional or cosmetic in nature. 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.

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.