Hailstorms can be beautiful to watch from indoors, but the aftermath they leave behind can be devastating, particularly for your roof.
Hail damage is a common occurrence in many regions, especially during severe weather seasons. In this guide, we’ll delve into:
- What does hail damage looks like on a roof
- The dangers associated with different sizes of hail
- How to spot hail damage
- Temporary repair solutions
- Navigating the insurance claim process
- The role of professional roofers in the claims process
- The potential costs involved in repairing hail damage out of pocket
Understanding Hail Damage
Before delving into the specifics of hail damage on roofs, it’s essential to understand the nature of hail itself. Hailstones are balls of ice that form within thunderstorm updrafts. As they cycle through the storm, they grow larger until they eventually fall to the ground. The size of hailstones can vary significantly, ranging from small pellets to large, destructive spheres measuring several inches in diameter.
If your roof, siding, or other parts of your home has suffered sudden hail damage, don’t hesitate to reach out to a locally trusted roofing professional.
Dangers of Different Sizes of Hail
The size of hailstones directly correlates with the potential damage they can inflict on your roof.
Smaller Hailstones, such as pea-sized or marble-sized, may not cause noticeable damage to sturdy roofing materials. However, larger hailstones, typically dime-sized or larger, can wreak havoc on roofs, leading to cracks, punctures, and dislodged shingles. Golf ball-sized hail or larger can cause extensive structural damage, posing a significant risk to the integrity of your roof.
Spotting Hail Damage on Your Roof
Identifying hail damage on your roof can be challenging, especially from ground level. However, several key indicators can signal the presence of hail damage:
- Missing or Damaged Shingles: Inspect your roof for missing or cracked shingles. Hail impact can dislodge asphalt granules, exposing the underlying material to further damage.
- Dents and Bruises: Look for dents or bruises on metal surfaces such as gutters, vents, or flashing. These can indicate the force of impact from hailstones.
- Granule Loss: Check for granule loss on asphalt shingles. Hail damage often results in granule displacement, leaving bald spots on the shingles.
- Cracked or Split Wood: If you have a wooden roof, look for signs of splitting or cracking caused by hail impact.
Temporary Repairs
If you suspect your roof has sustained hail damage, taking immediate action is crucial to prevent further deterioration. While temporary repairs won’t fully resolve the issue, they can help mitigate damage until professional repairs can be arranged:
- Cover Exposed Areas: Use tarps or temporary roof patches to cover exposed areas where shingles or roofing materials have been dislodged.
- Clear Debris: Remove any debris or loose materials from the roof to prevent them from causing additional damage during subsequent storms.
- Seal Cracks and Holes: Use roofing cement or sealant to temporarily seal any cracks or holes in the roofing material.
Filing an Insurance Claim: 5 Steps
In many cases, homeowners insurance policies cover hail damage to roofs. However, navigating the claims process can be complex. Here’s a step-by-step guide to filing an insurance claim for hail damage:
1) Document the Damage 📸
Take photos and videos of the hail damage to provide visual evidence to your insurance company.
2) Contact Your Insurance Provider ☎️
Notify your insurance provider of the damage as soon as possible. They will guide you through the claims process and provide necessary forms.
3) Schedule an Inspection 🗓️
Your insurance company may send an adjuster to inspect the damage and assess the cost of repairs.
4) Obtain Estimates 💰
Obtain estimates from reputable roofing contractors for the cost of repairs or replacement.
5) Review Your Policy 📄
Familiarize yourself with your insurance policy to understand coverage limits, deductibles, and any exclusions related to hail damage.
Role of Professional Roofers in Insurance Claims
Professional roofers play a vital role in the insurance claims process, offering expertise and assistance to homeowners:
- Inspection and Documentation: Roofing professionals can conduct a thorough inspection of the damage and provide detailed documentation to support your insurance claim.
- Repair Estimates: Roofers can provide accurate repair estimates based on their assessment of the damage, helping you negotiate with your insurance company.
- Negotiation with Insurance Adjusters: Roofing contractors are experienced in negotiating with insurance adjusters to ensure fair compensation for repairs or replacement.
- Quality Repairs: Hiring a professional roofer ensures that repairs are completed to industry standards, preserving the integrity and longevity of your roof.
Cost to Repair Hail Damage Out of Pocket
The cost to repair hail damage out of pocket can vary depending on the extent of the damage and the materials used:
- Minor Repairs: Minor hail damage, such as small dents or cracked shingles, may only require minor repairs, which can cost a few hundred dollars.
- Moderate Damage: Moderate hail damage, including significant shingle damage or structural issues, can cost anywhere from $1,000 to $5,000 to repair.
- Severe Damage: Severe hail damage that necessitates roof replacement can be more expensive, with costs ranging from $5,000 to $10,000 or more, depending on the size and complexity of the roof.
A Roofing Contractor Who Can Help With Storm Damage
Hail damage on your roof can pose significant challenges, but with prompt action and the assistance of professionals, you can navigate the repair process effectively. By understanding the signs of hail damage, filing an insurance claim, and enlisting the help of reputable roofing contractors, you can restore your roof to its former condition and protect your home from future storms. Remember, addressing hail damage promptly is key to preserving the integrity and safety of your home.
From hail damage to high winds, Open Box Roofing can help keep your roof shingles in tip top shape. Contact us today to get started.
