To determine if any damage has been caused by a hail storm, a close inspection of the roof must be made by a qualified professional. In most cases, damage cannot be observed from the ground. Call us today to schedule a time for your roof inspection.
Any time your home endures a hail storm, you should immediately call your insurance company. Many roofs go unreplaced because homeowners never file their cliams, because they honestly believe they have no damage. Remember, insurance companies send adjusters to specialized schools giving them the necessary training in identifying hail damage. Don't make the decision for them, file a claim!
Hail causes bruising, cracking and granular loss to your asphalt shingles. The granules that make up the color of your roof serve more th an just one purpose. Yes, it gives your roof the aesthetic appeal but it also determines the fire rating of your roof. Almost all roof fire rating s are built into the granules and once these are stripped away or lost, the fire rating is impaired , which opens your home to additional fire risks .Hail can bruise the shingle causing granules to be dislodged and exposing the asphalt underlayment. Once the underlayment is exposed , it will begin to deteriorate due to the exposure of UV rays from the sun. Additionally , large hail can fracture the asphalt underlayment of the actual shingles. Some shingle manufacturers exclude hail damage from their product warranty, but it is usually found in the exclusions.
The insidious nature of hail damage is that it can pose no immediate threat to the integrity of the roof. However, many insurance companies have a "statute of limitations" dictating how long a hail claim is valid for . It is imperative that you file a claim immediately in order to determine if you have any damage. If your insurance company finds enough damage to warrant the replacement of your roof, you should not hesitate to have it replaced.
A hail impact on a shingle depends greatly on the size and speed of the hail itself. In many cases, it looks like a "bruise" or a dark spot where the granules on the single have been displaced and the asphalt underlayment is now exposed. Even if your roof has only sustained granular loss without significant bruising, your roof is still susceptible to the damaging effects of granular loss, which exposes any of the underlayment causing an alteration of the fire rating and deceleration of the roof's actual performance level.
The purpose of home owner's insurance is to protect homeowners against the losses incurred on their property , which are out of their control. Your insurance policy covers direct , physical damage to your home, meaning that your insurance company has a contractual obligation to repair or replace any damage to your property. So yes, your insurance company should replace your roof if it has legitimately been damaged by a hail storm.