After a hail storm has hit homeowners should have their roofs checked for damage. It’s best to have a professional roofer do this as it is dangerous to climb onto your roof. However, you can visually inspect the roof from the ground and spot some damage on your own. This guide helps inform as to what you should be looking for.
The first thing to inspect is the metal on your roof such as roof vents and flashing. You can spot dents and determine how large the hail was from the size of the dents. You should also inspect the shingles and see if they have been damaged or displaced from the roof. Major damage to your roof will show up as cracks, bruises, and asphalt shingles having their granules smashed away.
If you’ve seen that your roof is damaged it’s time to call a roofing contractor who can do a more thorough inspection of the roof. This article explains the entire process from the inspection to the roofer getting to work. The process is the same in all the states that experience hail on a semi-regular basis. Hail Roof Repair Boulder CO, for example, can be performed by many roofing professionals who have dealt with roof damage many times before.
As this article details larger hail can cause more damage to roofs. A metal roof is going to stand up to hail damage the best while an asphalt shingle roof is the most susceptible to being damaged by hail. If the hail is the size of a dime it will likely only hurt old shingles on your roof. Hail the size of a quarter will do more damaged while hail the size of a half-dollar can cause damage to even new roofs.
Roofing contractors offer free roof inspections to homeowners. Not only are they best equipped to inspect a roof, having the experience, skills, and equipment to safely do so, but they can also document the damage best for any potential insurance claim. You shouldn’t sign anything, though, until you have decided who to use and have talked to your insurance company. Things you sign can have language that you have to employ that roofing professional to fix the damage, for example.
If your roof has been damaged by hail the next step is to contact your homeowner’s insurance company. You’ll need to call their claims phone number and provide them with information such as your policy number, when the damage occurred, how big the hail was, and photos and/or other documentation of the damage. Once the claim has been filed an insurance adjuster will make an appointment to come out and inspect the roof for themselves.
If the claim is approved the adjuster will let the homeowner know how much the policy will cover. The homeowner will need to pay whatever deductible their policy has as well. The amount the policy will cover depends on several factors such as how old the roof is and what its condition is, how extensive the damage is, and what the roof is made out of.