Roof Damage From Hailstorm

Hail damage is one of the most common claims on homeowners insurance.

Roof damage from hailstorm.

Inspecting an asphalt shingle roof shortly after a hail storm if the roof has been damaged should show that the areas of mineral granule loss have exposed fresh looking shingle substrate the asphalt impregnated shingle substrate will not yet have been weathered by sun exposure. 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. Gutters are also susceptible to 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.

Fortunately most basic homeowners insurance policies cover structural property damage from hazardslike hail. First you should know your enemy. Changes in wind conditions can affect the location. Dents in the metal or cracks in plastic vents often means your roof was hit with heavy hail.

Because seamless gutters are frequently feature aluminum or copper construction the signs of hail damage include telltale denting. Fortunately some insurance providers cover the full roof replacement. It accounts for nearly 70 percentof insured property losses from severe storms every year. Vehicles left outside aluminum siding asphalt shingles and the gutters along the roof can all be negatively affected by hail.

Identifying hail damage to your roof wind during a hailstorm wind direction and wind speed can vary. The effects of hail when a hail storm hits your property it can cause roof hail damage or the covering of your building s as well as other property. Size and density the size of the hailstones can affect the degree of damage if any to your property. Hail damage can either be functional or cosmetic in nature.

Roof vents are often made of lightweight metal. If you notice shingle granules in your gutters you may have hail damage on your roof. The roof hail damage insurance claim process hailstorm damages often lead to cases wherein homeowners need to replace the entire roof.