The particular storm has come and gone, did your home suffer any ceiling hail damage? Hail storms are capable of producing hailstones around 6″ in diameter. These balls of ice slide from the sky with no regard to your roof. The larger any hailstone is, the faster it will fall, potentially creating more damage to your home.
Many factors play into simply how much damage a hail stone may cause. Size of the come, wind speed and direction are only a few pieces of often the puzzle. The age of your roof’s shingles, the type of shingles of course, if your shingles are “impact-resistant” can all factor in into the severity of your roof hail damage.
Damage to your roof’s shingles can compromise the effective life of your top and even if not immediately visible, may lead to large scale problems or even identified in a timely manner. Here are a few tips which will help you properly identify roof hail damage.
Tip #1: Is there any visible destruction on the inside of your home? If you see water stains or sluggish drips on the inside of your home, then you have a problem which requires quick attention. A new water stain on your ceiling is most absolutely a sign that your roof was compromised. If left neglected, the problem will worsen leading to further damage which may demand a complete tear-off of your existing roof, not to mention repairs towards interior of your home.
Tip #2 Are there any visible dents (blisters) on your roof’s shingles? Just because you don’t see any injury to the inside of your home does not mean your roof was not damaged. When there is simply no visible damage to the inside of your home, it may provide a false perception of security. By neglecting exterior damage, you work the risk of damage to your home in the months to come. Even worse is if you don’t file an insurance claim within the time suggestions stipulated in your homeowner’s insurance policy, you may lose benefits you are entitled to now.
Identifying shingle blisters requires a visible assessment of your roof. Sometimes blisters may be hard to see. It could be helpful to look for small dings on metal or aluminium vents, downspouts or gutters. It is typically easier to distinguish these marks than blisters on your shingles. If you feel you have visible evidence of damage, it is suggested that you contact your insurance broker immediately to express your concerns and to find out what your coverage covers and the procedures necessary to file an insurance declare.
Tip #3 Get your own independent professional opinion. Body fat denying when a hail storm has blown through community. The National Weather Service records all storm data. If you have knowledge of a storm, and you contact your insurance company, they will most likely fetch an adjuster. That adjuster represents your insurance company. His or her job is to identify damage, assess the cost to repair as well as replace your roof and make sure all of the paperwork is in order to method a claim.
It is suggested that you contact a local roofing business that is trained in roof hail damage for an independent thoughts and opinions prior to your insurance adjustor performing their inspection. Your current roofing company is capable of representing your interests. They should be willing to provide you an inspection and estimate to repair any injuries free of charge. More importantly, they should be willing to back up their estimate and prepare themselves available for mutual consultation with the insurance adjuster. In the event the adjuster and roofer can agree on the remedy for the damage and the cost, this can expedite the process. In most cases your public adjuster specializing in hail claims will be awarded the repair job.
Tip #4 Obtain it In Writing. Most insurance companies will only issue a check directly to the exact roofer. This protects the insurance company from the homeowner “pocketing” the proceeds and never repairing the damage. By getting your roofs contractor to agree to the type of repairs to be performed as well as the costs involved, this will insure that your roof gets the necessary repairs. If your roofer agrees that the insurance check is sufficient to repair your roof hail damage, then they should be willing to do the repairs for that cost, nothing more.
Roof replacement or simply repair due to hail damage can be one of the most expensive fixes for homeowners and insurance companies. Making sure that you properly indicate roof hail damage in a timely basis, and pursuing the proper procedures will help protect your family’s most important fixed and current assets, your home.