Mother Nature can be a fickle beast, and sometimes her temper takes the form of hailstones pummeling your roof. Hailstorms can leave a path of destruction, and while you might be checking your car for dents, it’s crucial to also inspect your roof for damage. Here’s how to identify hail damage and navigate the insurance process to protect your home (or business).
Signs Your Roof Took a Hail Hit
Not all hail damage is obvious, but there are some telltale signs to watch out for:
- Shingle Damage: Look for cracked, bruised, or broken shingles. Asphalt shingles might lose their protective granules, appearing bald or patchy.
- Metal Roof Woes: Metal roofs can show dents, dings, or even punctures from hail.
- Flashing Issues: Hail can damage the flashing around vents, pipes, and chimneys, increasing the risk of leaks.
- Gutter Granules: Excessive shingle granules in your gutters can indicate hail has dislodged them, exposing the underlayment.
Why Identifying Hail Damage Matters
Early detection of hail damage is key. Left unaddressed, even minor damage can worsen over time, leading to leaks, rot, and structural issues. A compromised roof can also affect your home’s energy efficiency and even impact its resale value.
Hail and Your Insurance
Most homeowner’s insurance policies cover hail damage. If you suspect hail damage, take photos of the affected areas and contact your insurance company as soon as possible. They will send an inspector to assess the damage and determine the best course of action, which might involve repairs or a full roof replacement.
Are reluctant to deal with your insurance and would like some help? Call our team at Buckhead Roofing and our team will take that burden off your shoulders. You can reach us at (706) 744-1844 or email us at [email protected]
Knowing Your Coverage
It’s wise to review your homeowner’s insurance policy beforehand to understand your deductible (the amount you pay before insurance kicks in) and coverage limits. Some policies might have exclusions or limitations for hail damage, so being familiar with the details is crucial.
Commercial Property and Hail
Commercial buildings are just as susceptible to hail damage as homes. The inspection process is similar, with a qualified commercial roofer assessing the damage and working with your insurance company. Here are some additional considerations for commercial properties:
- Flat Roof Concerns: Flat roofs are particularly vulnerable to hail damage due to water pooling. A prompt inspection is essential to identify punctures or tears in the roofing membrane.
- Business Continuity: Hail damage repairs can disrupt your business operations. Discuss with your insurance company and roofing contractor to minimize downtime.
Don’t Hail Yourself Out
While some minor hail damage might seem DIY-friendly, it’s always best to consult a professional roofer for a proper assessment. They have the expertise to identify even subtle damage and ensure repairs are done correctly to prevent future problems.
Taking Action After Hail
If you discover hail damage, don’t delay. Contact your insurance company promptly and get a qualified roofer to inspect the damage. By acting quickly, you can minimize the impact on your home (or business) and ensure a smooth insurance claim process. Remember, a well-maintained roof is your best defense against the elements, so don’t let hail put a damper on your peace of mind.