Factors That Determine the Impact of Hail on Your Roof
There’s a big difference between a hailstorm that passes through without consequence and a larger storm that can demolish your roof in minutes. Some of the elements of storm damage are out of our control but there are a few factors that can determine the overall damage.
Wind Direction – There is increased impact energy when hailstones are propelled by the wind when compared to free-falling hail. The roof slope facing the direction of the oncoming hail suffers more severe damage with strong winds.
Construction Quality – Poor workmanship can lead to worse damage during hailstorms. It’s always important to use a reputable contractor who is experienced in roof work in your area and understands the weather patterns.
Type of Roof Material – The type and condition of your roof material can determine the extent of damage done by hail. Some roof materials (like metal roofs) are more resistant to impact than others (like asphalt shingles).
Size and Density – The size of hail may range from the size of a pea to the size of a softball. Hail may also have smooth or rough edges. The impact on your roof will vary based on the physical features of the hail.
How To Minimize Roof Damage Caused By Hail
No roof is completely immune to the impact of hail. Because your roof is exposed to the elements, there’s no way to protect it all year long. However, the following are effective ways to mitigate the damage your roof may sustain.
- Install impact-resistant roofing materials – This is especially important if you live in a hail-prone area. Impact-resistant materials may cost more upfront, but they will save you more money in the future.
- Schedule Professional Inspection – Regular and timely inspections are vital to mitigating hail damage. One strong hailstorm can completely obliterate a roof that is already in poor condition. Always inspect your roof after a hailstorm so you can spot the damage early and take action immediately.
What To Do When You Suspect Hail Damage on Your Roof
When you wake up in the morning after a strong hailstorm and your mailbox or car are dented, you know there’s likely hail damage on the roof.
Follow these simple steps to mitigate the damage, get the repairs necessary, and protect your home and family.
1. Find a Trusted Contractor
Your first call should be to a trusted contractor in your area. You may want to call two or three to have separate professionals who will get on your roof, assess the degree of impact caused by the hail, and make a list of the storm damage that occurred. After inspection, your contractor may offer to guide you on the insurance claim process. This can be very helpful in making sure the insurance claim is processed smoothly.
2. Call Your Insurance Company
It’s important not to start or schedule any roof repairs until after you’ve contacted your insurance company. If you jump the gun, you may risk footing the bill yourself. The insurance company must approve the hail damage claim first. They will send an insurance adjuster who will meet with your chosen roofing contractor and agree to the extent of the damage together. Make sure the contractor is present when the insurance adjustor arrives. This is because some insurers may want to downplay the extent of damage to save costs.
4. Follow the Insurance Claim Process
With both the insurance adjuster and the contractor on board, the insurance claim process is relatively easy. There are a few things to keep in mind to make sure that all the T’s are crossed and I’s are dotted along the way.
- Always do your due diligence, read everything before signing, and be sure you are working with people you can trust.
- Only approve repairs after the claim has been approved by the insurance company.
- It is not uncommon for insurance adjusters to sometimes make mistakes. Don’t take no for an answer if you’re not getting the coverage you believe you are entitled to. You can even ask for a second inspection by a different adjuster.
Hail Damage Is More Than Meets the Eye
In 2021, hail and high winds accounted for about 40 percent of all insurance claims for damaged roofs. This equates to billions of dollars spent each year protecting American homes.
Some signs of hail damage are obvious like a broken window or a dented car but others are more subtle. If you suspect that your roof was damaged by hail, we recommend calling a professional to inspect your roof. This no-obligation call provides you peace of mind knowing that an expert has evaluated your roof’s surface for any signs of damage.
Always use a contractor with experience in your area and make any repairs quickly. Any delay or neglect will come at a significant cost in the future.
For your free inspection, give us a call today!