How To Spot Hail Damage
Although you cannot fully determine the amount of hail damage on a roof from the ground, there are some signs that a trained eye can point out and help determine if there may be more damage up top. The presence of one or more of these may indicate a situation where the homeowner needs a full roof replacement instead of a simple roof repair.
Here are a few things to look for.
#1 - look for dented gutters, gutter screens, gutter helmets, or downspouts
#2 – look for damage to siding and windowsills/casings You can also check the home’s siding and windowsills/casings for dents, dings or other signs of impact. These are places where, if there’s significant damage to the roof, there will most likely be damage to these things as well. Look also at any other exposed metal surfaces, like metal fascia on the roof eaves for signs of hail damage impact, even if it looks like a faint ding.
#3 – look for damage to air conditioners or other outdoor items. We’ve done the roof, gutters and window screens, but there’s another area to check… the air conditioner. In addition to offering a quick glance sign of further hail damage on the roof, a damaged air conditioner may qualify for insurance replacement. As an inspector, it’s your job to make sure you make note of everything that was damaged on the homeowners property.
#4 - on the roof look for dents and dings in all the soft metal vents.
Hail damage to roof shingles can be very obvious or very difficult to uncover. It takes a trained eye to spot hail damage to roof shingles. As you can see on the image below, the surface granules have been knocked off of the shingle very clear. If hail is big enough it will go all the way through the asphalt granules to the underlayment. Hail loosens the granules and as time goes by the granules will come off and go into the gutters.
On average, it takes a 1″ or above diameter hail stone to cause damage to common asphalt shingles.
If you’re a homeowner and think you may have hail damage, the first thing you should do is call a professional contractor for a free roof inspection. If the inspector thinks you may have damage, your next step would be to file an insurance claim with your homeowners insurance company. A lot of people ask: “Will insurance pay for a new roof?” This depends on your policy and who you have on your team. A trained professional can determine whether the damage is functional or cosmetic in nature. Homeowners: It’s very important that you have your contractor come out and inspect the roof with your insurance adjuster. You have to remember the insurance company is looking for reasons NOT to replace your roof. That’s why it’s important to make sure your contractor inspects the roof with the adjuster.
Accurate Roofing Pros has over 18 years experience working with Insurance Companies