How to Deal with Hail Damage to your Roof:
If you live in Texas, hail storms and hail damages are a constant stress factor, year after year. Hail storms are considered an act of God, therefore, roof damages to your home are typically covered by your homeowners' insurance policy.
However, hail damages are not always visible from the ground. Because of this, many homeowners are not usually aware of hail damages to their roofs. This is in large part why hail damage hardly ever crosses a homeowner’s mind unless the cars in the driveway are damaged.
Not to worry, since you are here, we are going to provide you with some guidance so that you know exactly what to look for when inspecting your roof for hail damage.
SIGNS FROM THE GROUND THAT YOUR ROOF COULD BE DAMAGED:
1. Dented Gutters, Gutter Screens or Downspouts
2. Siding and Window Screen Damages
3. Damage to Air Conditioners
HAIL DAMAGE TO ROOF VENTS AND SHINGLES
A true roofing inspector is trained to look at the vents, chimneys, skylights, and other soft metals on your roof before ever looking at the shingles. These areas should show signs of hail damage similar to the damages that you found at all the ground areas you checked yourself.
The last step is to check the shingles. Roofing shingles bear the brunt of hail damage and are the most costly of all damage. When there is significant hail damage to the roof shingles, the only option is a replacement.
Without significant damage to the actual roofing shingles, your insurance claim will most likely be denied.
SPOTTING HAIL DAMAGE ON ROOF SHINGLES
Roofing inspections should really only be conducted by actual roof installers instead of roofing salespeople. This keeps everyone honest and avoids rolling the dice on unnecessary claims. A true hands-on roof installer can spot hail damages to roof shingles, even though it may not be easily seen by the untrained eye. On the other hand, a true hands-on roof installer can also eliminate suspect areas that may appear to be hail damages but are likely only normal wear and tear.
Insurance does not replace roofs just because they are old or worn out. Claiming hail damages, that are not actual hail damages, is a good way to put your insurance company on the defensive, possibly hurting your chances of getting the approvals you need to replace the roof.
And one last important suggestion - maintain your roof with simple cleaning and patching as needed. This shows a level of responsibility that will help you with your claim.
LIVE IN THE DFW AREA, SAN ANTONIO OR HOUSTON? WE CAN HELP!
If you have any questions about your roof or if you are not sure how to go about getting roofing work done, then give us a call.
LEADS CLAIMS CONSULTANT
APD Roofing Houston