Hail! Now what?

Posted: 6/28/2017 in Insurance News

The choice of who to use for the repairs to your roof is yours; however, the selection of a reputable and experienced contractor is critical. Be aware that after a large storm, many out-of-state contracting companies will come to the area. They may obtain a local address that makes it appear they're from your area. Be sure to check out the company you choose. It should be insured, bonded and able to provide you with references upon request.
There are many factors that determine whether hail will cause damage to your property. These include, but not limited to:

  • The size and hardness of the hail. Harder hail will cause more damage;
  • The speed and direction of the wind. High winds will cause more damage; and
  • The slope, age and condition of your roof. A newer roof will generally hold up better than an older roof.

Frequently Asked Questions
Q: What about the granules I see in my gutters?
A: Granules continually loosen from your roofing material. Testing has shown that with even 70% of the granules removed, there was no loss of life or reduction of the water-shedding ability of a roof.

Q: If all my neighbors are getting new roofs, how can there be no damage to my roof?
A: There are many factors that determine whether or not your roof will be damaged by hail. Some adjusters are not property trained in inspecting hail and may think there's hail damage when none exists. Some companies will simply assume there's damage to every home in an area and issue payments. Other carriers believe it is a disservice to all policyholders to pay for items that are not damaged.

Q: What if I can't find someone to replace my roof for several months?
A: Unless the hail was large enough to break through your roof sheathing, your roof will likely not leak from hail damage. You should schedule an appointment with the contractor of your choice as soon as possible.

Q: What if damage to my shingles does not show up for several months?
A: While this is unlikely an adjustor would visit your home to inspect for damage should there be an indication that damage is now visible.

Please contact us today if you have any questions, we are here to help!