NOT ALL STORM DAMAGE IS VISIBLE FROM THE GROUND
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HAIL & WIND DAMAGE ROOFING REPAIRS
Once hail is over half an inch in diameter to around three-fourths of an inch, roofing damage becomes a concern and warrants inspection. It is never a bad idea to get a roof inspection for hail damage.
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THREE REASONS TO GET A ROOF INSPECTION AFTER A HAIL STORM
MYTHS ABOUT HAIL DAMAGE
MYTH: I looked at my roof and didn’t see any problems; or my roofer inspected it and there are no problems.
FACT: Roofing systems must be physically inspected by someone who has training and experience. Insurance companies send their adjusters to special training so they can properly identify hail damage to property. Unfortunately, there is not much ongoing training for the roofing or home inspection industries.
MYTH: I’m not missing any shingles so I must not have damage.
FACT: Missing shingles are related to wind damage claims and can happen during a hail storm if the winds are high enough. However, hail damage is insidious in nature and may not physically cause leakage for years after a hail storm.
MYTH: I only have one year to file my insurance claim.
FACT: Many insurance companies do have a one-year time limit and some even less. Still, due to the nature of hail damage, they may pay claims that are submitted past the deadline. This usually happens if a hail storm is widespread.
MYTH: My roof is new so it’s covered by the manufacturer’s warranty, home builder, or contractor.
FACT: Manufacturers specifically name hail as an exclusion to their product warranty. So do home builders and roofing contractors. Newer roofs can actually be more susceptible to hail damage versus older roofs due to the time it takes for a new roof to cure from exposure to the elements.
MYTH: I was told my roof has minimal or very little damage and therefore I don’t need to file a claim.
FACT: If your roof has any damage whatsoever you have a valid insurance claim and should file with your insurance company. Damage might not cause your roof to leak for years. This is why it’s important to have a qualified person inspect your roof.
MYTH: My insurance company will cancel my policy if I file a claim.
FACT: Most states prohibit insurance companies from cancelling policies for filing claims arising from severe weather-related events. Check with your state and your policy language to make sure.
MYTH: If I don’t file my claim, my insurance company won’t raise my rates.
FACT: After a disaster, insurance companies may raise everyone’s rates. By not filing your claim, your personal rate increase is paying for everyone else’s damage except yours.