Hail and Storm Damage

You may be able to make a home owners insurance claim.

Has your roof been damaged by wind or hail?

Insurance claims for hail damage to roofs is on the rise around the country. According to the Federal Alliance for Safe Homes, hail causes more than $1.6 billion worth of damage in an average year to residential roofs in the United States, making it, year in and year out, one of the most costly natural disasters. After a hail storm it can be hard to see the damage to the shingles, but experts say the best thing to look at is the vents and the gutter down spouts. So after a hail storm, have a walk around your house to inspect for damage.

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Hail and Wind

Sample Shingle Damage

This roof on the left you can see that the owner chose to install a second layer of shingles over the first. This is a completely acceptable and normal practice in roofing, however it is likely that they used too short of fasteners to ensure the shingles are attached well.

The roof in the middle we can see patches of granule loss, this is caused by hail striking the shingles with great force. The impact loosens the granules that were previously adhered to the shingle allowing them to slip and slide off. This greatly reduces the lifespan of a shingle roof and should be addressed right away.

The roof on the right is an example of an older shingle roof showing granule loss due to age. The granules are starting to lose their adhesion to the shingle due to normal wear and tear and exposure to the elements. As wind and rain buffet the aging shingles, granules detach, it is common to see granules around the perimeter of your property after a storm.

Hail and Wind

Sample Tile Damage

This roof on the left you can see that the tiles are cracked and chipped away. This is caused by either objects being flung at the tiles or people walking across the roof. However sturdy they may be, tiles can be susceptible to being brittle.

The roof on the right is what's known as a dead valley. This is where the roof is not steep enough and that water has no where else to travel but to stay in that valley. Overtime, this will wittle away the tiles and cause leak damage.

You may be able to make a home owners insurance claim.

Storm Chasers? Who are they?

Storm chasers are roofing contractors that "chase" or follow big storms around the country looking to roof only hail damaged homes. Because hail ruins roofs, this makes major hail storms an insurance claim for your homeowners insurance. This looked upon as a "guaranteed" sale for storm chasers. The real news is, they are here to make a quick buck, and leave the state. When your home leaks, or is in need of repair in a year or five years, they won't be around to help you out.


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