Taking Care of Hail Damage
This has been one of the most brutally hot summers all across the state of Texas. But in the southern-most part of the state, like Houston, perhaps even more brutal. Between the strong UV rays and humidity after a spring with hailstorms and high winds, if a homeowner hasn’t had any necessary roof hail damage repair done already, it needs to be completed before winter.
Can roof hail damage be repaired?
The roof is the protector of your home against the elements. Even with the most durable, strong roofing material, Mother Nature can do some extensive damage. This can include roof hail damage, repairs may or may not be possible, depending on the extent and type of hail damage.
As a homeowner, you should become familiar with what roof hail damage looks like. You should know when to depend on a professional to know whether your roof hail damage repairs are possible, or do you need a new roof.
What does roof hail damage look like?
Sometimes, there are visible signs of roof hail damage repairs, and sometimes, not all are apparent to the inexperienced, untrained eye. The obvious things and how to check your roof for hail damage:
- Shingle granules in the gutter runs and downspouts
- Chips and/or dents in chimneys and/or roof vents
- Dents and/or depression in the siding
- Damaged, dented gutters and downspouts
- Shiny areas on the asphalt shingles
- Cracked, curled asphalt shingles
- Peeling paint on fascia
If you find any of these indicators, call a professional roofing contractor for a roof inspection. If you can see that type of damage, there is a good chance there is more roof hail damage, repairs need to be addressed as soon as possible, or sooner.
If the roofing contractor confirms you need roof hail damage repairs or replacement, you’ll need to call your homeowner’s insurance agent next and file a claim. They will send an adjuster out to do their own inspection for possible roof hail damage repairs or replacement. If possible, have your roofing contractor there at the same time.
What size hail can damage your roof?
While the size of hail stones matters in roof damage, even the smallest size, generally compared to “pea size”, smaller than half an inch, can cause damage. Some factors that will play into the amount of roof hail damage roof repairs, or replacement are:
- The size of the hailstones
- The age of the roof
- The condition of the roof
- The velocity of the hailstone (i.e., wind factor)
- The angle of the hailstone
A hailstone of 1.5 inches, approximately the size of a walnut, can cause severe roof hail damage repair needs, and even break or dent wood fascia. Hailstones compared to the size of a golf ball, approximately 1.75 inches, can knock shingles off, damage metal roof components, and break skylights.
While some roof hail damage repairs seem insignificant, and small in size, the consequences can be long-term. The smallest of roof leaks can lead to mildew, mold, wood rot, and more, including damaging drywall from the inside. Asphalt shingle granule loss can be more than cosmetic.
Can hail break through a roof?
Definitely, depending on the age and condition of the roof, a hailstone as small as a golf ball at the right velocity can dome through a roof. More likely, it will take a softball-sized hailstone to come through the roof, but again, roof age, condition, and velocity of the hailstone, coming through the roof is possible.
Can a metal roof withstand hail?
With a professionally, properly installed metal roof, hail damage repairs are few and infrequent. A quality metal roof will provide superior hail damage resistance, and there are some insurance companies that offer homeowner’s a discount for metal roofing.
What types of roofs are hail-resistant?
The four most recommended choices in roofing that is hailstone resistant are:
- Metal Roofing: – Metal roofing has become more popular over the past few years thanks to being lightweight and providing a long lifespan. With the UL 2218 Class 4 rating, the highest possible for impact resistance.
- Asphalt Shingle Roofing: Asphalt shingle roofing is by far the most popular roofing because of its affordability. It is easy to install, lightweight, yet durable to impact resistance. Available with UL 2218 Class 3 or Class 4 rating.
- Tile Roofing: A heavy, solid roofing material that has an FM 4473 Class 3 or Class 4 impact resistant rating, known to withstand hailstone impact.
- Slate Roofing: Slate tile roofing comes in a variety of impact resistance ratings. With an FM 4473 Class 3 or Class 4 rating, this is a strong roofing material against hailstone impact.
In the End …
One of the first concerns of a homeowner is the cost of hail damage roof repair or replacement. This is one of the reasons you have homeowner’s insurance. So, is roof hail damage covered by insurance? The answer is yes, with a but …. An adjuster will be assigned to your roof hail damage repair/replacement claim who will inspect the roof. Depending on what they determine and you’re your policy covers will determine what is covered and for how much, based on whether you have ACV (actual cash value) or RCV (replacement cost value).