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Loveland Roofing: Article About Hail Damage

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Every year, hail causes millions of dollars in damage to homes in the United States. It can be difficult to determine if your roof has suffered hail damage, but inspecting a few key areas can help you figure it out. If you're not sure about the condition of your roof, a Loveland roofing company can come and evaluate it for you. Be sure to get estimates from a few different contractors if it looks like repairs will be needed.

Mineral deposits can be a telltale sign of hail damage. When your shingles get battered by hail, they tend to lose granules from their surface. It's hard for the average homeowner to just look at the shingles and assess whether granules have been lost; an easier way to tell is to look at the base of your downspouts. If you see an excessive amount of granule accumulation, the hail storm may have caused some roof damage. Age and natural wear can also cause granule loss, so finding granules in your downspout isn't a definitive confirmation of hail damage. Other signs need to be present as well.

While you're checking your downspouts for granule loss, also inspect them and your gutters for small dents and dings. Newer metal gutters are made of such thin material that even a marble-sized hailstone can cause indentations. Seeing these dings is another strong sign that hail has damaged the roof.

Sometimes hail damage isn't readily apparent until a leak develops later on.

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Leaks don't always happen immediately after a hail storm, but as the damaged shingles start to deteriorate over time, a leak might eventually occur. If you spot any water stains on your ceiling, a previous hail storm may have damaged the roof.

If you've discovered any of these signs of possible hail damage, you may want to have a roofing company come in and make an accurate assessment. A roofing contractor can go up on your roof and inspect the roof vents and shingles. While on the roof, the contractor will look for dents in gutters, vents, drip edges and other metalwork. They will also look for dimples in the shingles and obvious granule loss. If damage points from hail are visible on the shingles, the frequency of the hailstone hits needs to be estimated. Insurance claims usually have criteria, such as 10 hits per 10 square feet of roofing, which need to be met before any reimbursement is paid.

You may be able to file an insurance claim for damage caused by hail. When a roofing contractor comes to inspect your roof, you can ask if he or she thinks there's enough damage to justify a claim. Many insurers would prefer to cover the cost of a new roof right away rather than the cost of a new roof plus subsequent water damage at a later date.

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