Evaluating Roof Damage After a Hailstorm

Evaluating Roof Damage After a Hailstorm

Hail can range in size from tiny marbles to golf balls and it can cause a lot of damage to roofs. The hard impact can damage shingles and expose the roofing materials underneath to the elements.
Homeowners insurance will often cover the expenses, but claims are not always approved on the first request and they may take some time to go through.

Shingles have a coating of granules on them that protect the home from penetration of the sun’s ultraviolet rays. When hail hits hard enough, the granules are knocked loose. Because the granules are usually lighter in color than the shingle’s surface, the bald area will appear as a dark patch.

The damaged area may appear shiny at first, before the shingle’s surface has had a chance to fade with exposure to sunlight. Another possibility is that the construction of the shingle itself is damaged. If it is not properly overlapping and adhering to the roof, this makes it possible for water to penetrate the structure.
Strong wind from the next storm may peel off shingling entirely. Gutters and roofcaps may be damaged as well. Signs include dimpling on the surface or displacement.

Hail damage is often difficult to see from the ground and requires an up-close view for certainty. The homeowner may go up and check. If there appears to be a problem or if the homeowner is not comfortable with going up on the roof, a Williamsburg roofing company can be called upon to inspect it. If there is damage, the property owner should call the insurance company and request an inspection as well.
Any replacement of a roof or shingling may be covered by the insurance policy. If the roof inspector from the insurance company does not agree with the roofing contractor, suggest a reinspection by the insurance adjuster with the roofing contractor present. They can discuss the issue and come to a fair conclusion.

Roof replacement or roof repair may be necessary after a hailstorm. Many insurance companies will use the guidelines that 10 hits per 100 square feet is notable and constitutes damage.
For an older roof that has not quite reached its life expectancy, the insurance company may authorize a roof replacement to avoid further damage to the home if it is damaged and left unchanged. Gutters and roofcaps may need replacement as well.


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