What is roof hail damage?
Under the right conditions, anytime a severe thunderstorm strikes you could get hail along with it. When hail strikes, you always have a potential for roof hail damage, and that damage can vary depending on the size of the hail that falls, how fast it falls, and the type of roofing materials used. Sometimes your roof may not be affected at all, or just a few shingles may be damaged. At other times your roof can be severely damaged to the point where it may need to be replaced.
Whenever you have a severe storm pass through the area, whether or not it’s hailed, it’s always a good idea to get your roof checked out for damages. Even just heavy rains can cause problems like leaks to occur. If your roof has been damaged by a storm in the Frisco, TX area, and you need roofing storm damage repair, call on the experienced professionals at Kilker Roofing and Construction, LLC. We provide a full range of repair services, and you can reach us at (972) 895-5140.
What does roof damage from hail look like?
If a recent storm has dumped hail along with it, and you are wondering how to spot roof hail damage, unless there are obvious holes, it isn’t always easy to tell if the roof is damaged. Hail damage to roof of house will also vary depending on the type of roofing material on your home.
Hail damage is usually random. There is no discernible pattern to it. One section of shingles may have no damage at all, while a nearby section may be rife with dents. Asphalt and architectural or composition shingles will usually show black or shiny spots where missing granules have been knocked away.
In some cases, without close inspection, the damage may not be discernible. With standard asphalt shingle roofs hail may make the shingles soft to the touch. A professional roofer will be able to spot these damages and other signs of hail damage. Because spotting roof hail damage isn’t always easy here are a few tips to help you as a homeowner find it.
Roof hail damage 4 tips for Homeowners
- Look for damage like water stains or drips from the ceiling inside your house. If leaks have developed shortly after a hailstorm, you probably have hail damage.
- Inspect your property for evidence of hail impact marks. If you see impact marks on decks or siding, your roof may have damage as well.
- Have a trusted roofer that provides free inspections and estimates to inspect the roof. Make sure the roofer will speak with your insurer to help with the claim.
- Go over your insurance policy to see what’s covered and let your insurer know you want to file a claim.
In the same way hail damage can be hard to spot, some plumbing problems can be hard to spot because the pipes run underground. In older many of those underground pipes, as well as the rest of the plumbing could be out of date and cause so many problems it may require whole home repiping to ensure the plumbing is working properly.
How do you know if your roof is damaged?
Not all damages to your roof will be caused by hail damage or by storms. Some damage just comes from wear and tear. Besides damage from severe weather, below are some other damages roofs have that will need repair.
- Curled, cracked or missing shingles: Indicates it’s time to repair or replace your shingles.
- Dark, dirty or wet shingles: These shingles are trapping moisture and risking leaks.
- Large amounts of shingle granules in the gutters: This indicates the shingles are worn and need to be replaced.
- Stained ceiling and walls: This is an indication you have a roof leak that needs to be repaired as soon as possible.
- Outside light streaming into the attic: You probably have damaged or missing shingles that need to be replaced to avoid leaks.
- Sagging roof deck: This indicates moisture has penetrated through the roof and caused the decking or rafters to sag.
Is hail damage to roof covered by insurance?
For most insurers, roof hail damage is covered by homeowners policies. The coverage may depend on where you live, and the frequency with which hailstorms occur. In areas like Kansas or Oklahoma, where hail is frequent, insurers may only cover hail damage to the structure of the roof. Some damage may be considered cosmetic. Insurance will cover damage caused by certain perils such as wind, fire, and hail damage. Damage caused by age and neglect are normally not covered. Individual policies may differ, and the amount covered may vary. You will also normally need to pay a deductible before the insurance will pay for the repair. Check with your insurance company to find out exactly what your policy covers when it comes to roof hail damage.
How long do you have to file an insurance claim for hail damage?
Insurance policies will vary, but for roof hail damage the standard for most insurers is that you must file a claim within one year after you’ve determined your roof has been damaged. That said, it’s normally better to file the claim as soon as possible, because the longer you wait the more serious the damage can become. The wait may also affect how much is covered by your insurer.
Do I have to pay a deductible for hail damage to my roof?
With most insurance policies, homeowners will have to pay a deductible for roof hail damage. The amount of the deductible will depend on where you live, and the frequency in which hail storms occur. In high-risk areas a separate deductible may established specifically for this type of damage.
If you believe you have roof hail damage in Frisco, TX and want experienced professionals to inspect and repair your roof, give our team at Kilker Roofing and Construction, LLC a call at (972) 895-5140.