10 Common Questions About Hail Damage
- How I do I know if I have hail damage to my roof? Can I tell
from the ground?
If you've had hail in your area, to determine if the shingles have been
damaged a close inspection of the shingles has to be made from the roof.
Usually you cannot tell from the ground.
- If I think I have hail damage what should I do? Call
your insurance company and ask for an adjuster to come inspect your roof
for hail damage. Call a reputable roofing company and ask for the same
inspection. If there are any discrepancies between the adjuster's findings
and the roofer's findings you may call for a "RE-INSPECTION"
where your adjuster meets with the roofer to go over the roof together.
Re-inspections are very common.
The insurance company must determine two things when assessing the amount
of your loss:
What does hail do to a roof? Shingles are designed
so that the granules block the UV of the sun and protect the asphalt underlayment.
As the shingles age the granules fall off over time. As the asphalt is
exposed the UV, it dries out and the shingle gets a "potato chip"
appearance as the corners start to curl up. A shingle at the extreme end
of its life is bubbled in appearance and is brittle to the touch. A 20-year
shingle is warranted by the manufacturer to have a useful life, under
optimal ventilation conditions, of 20 years. Hail does several things:
- Was there sufficient damage to the roof
to declare it a total loss? (Usually determined by 10 verified hail
hits per 100 square feet.)
- What is the size of the roof and how many
shingles will be needed to replace the roof
Do I need to get my roof replaced right away? The insidious
nature of hail damage is that it may pose no immediate threat to the structural
integrity of the roof. However, many insurance companies have a "statute
of limitations" of how long a hail claim is viable. If you have experienced
a loss such as hail damage it is prudent to take care of the problem in
a timely manner before it leads to other associated problems.
What does hail hit look like? A hail hit on a shingle
looks like a "bruise" or a dark spot where the granules on the
shingle have been knocked off and the asphalt underlayment and sometimes
the fiberglass mat is exposed. New hail hits will have a shiny appearance
because the asphalt has been freshly exposed and has not had time to weather
to a dull color.
Why would my insurance company replace my roof? The
purpose of home owner's insurance is to protect homeowners against losses
in their property's value due to damage that is beyond their control.
If you have hail damage, you have experienced a financial loss in that
your original investment of a 20-year roof (for example) has now been
reduced to a 5-10 year useful life span. Your insurance company will compensate
you for your loss and replace your roof.
Why does the estimate read that there are more shingles to
replace then there are to remove? The amount of shingles to remove
from your roof is the actual amount of square feet that it takes to shingle
your roof. However, when putting on shingles, some shingles have to be
cut to fit dimensions, ridges, hips and valleys. The insurance company
adds 10% to regular ridge roofs and 15% to hip and ridge roofs to account
for the loss of shingles.
My gutters and siding were damaged and the insurance company
paid me for how many linear feet had to be replaced. When I called a contractor
they had a minimum fee which was far in excess of the small amount the
insurance company paid me. What can I do? Your insurance company
understands minimum charges such as these and has set prices they are
prepared to pay as minimum charges for all trades. They do not give you
the minimum charge up front because such a large percentage of their customers
never call a contractor and just pocket the money. If you call your adjuster
and ask for the minimum charge for the work, they will pay it without
In my adjustment, my insurance company deducted some money for
depreciation, what is that all about? Different insurance companies
call the amount that they hold back different things. Some call it depreciation;
other companies figure it in as a dump and removal fee. What it represents
is the amount of money the company will hold back until they receive a
signed contract from you and a contractor for the work. When they receive
a signed contract, you will receive another check for the amount they
have held back.
My insurance adjuster said there was no hail damage on his first
inspection, I asked The Roofing Company, Inc.'s estimator to call him
and request to walk through a re-inspection with him. On the re-inspection
the adjuster concluded that there was hail damage and "totaled"
the roof. Why such a dramatic turn around? There are many different
reasons that this happens so often. Sometimes adjusters get to a roof
too soon after the actual damage and the hits haven't had a chance to
weather yet. Sometimes the adjusters are inexperienced. Sometimes they
were tired after looking at so many roofs that day. Sometimes they just
make mistakes. The best results for the benefit of homeowner seem to be
obtained when an experienced roofer walks through the inspection with
the insurance adjuster and calls to the adjuster's attention any damage
that he sees.
- Accelerates granule loss
- Accelerates shingle aging.
- Voids manufacturer's warrantees
- Leads to other associated problems
Full Service Roofing & Remodeling specializes in residential
roof repair and replacement in Quincy, IL and surrounding areas. Call
us whether you need roofing inspection, siding or windows installation
services or a whole new roofing system installed.
Call 217-224-ROOF (7663) for your Free Roofing Estimate.