Hail Damage to Roofs and Why it Should be Addressed Quickly
Hail roof damage is a formidable consequence of severe weather phenomena that specifically affects the structural integrity and functionality of roofing systems. This type of damage occurs when hailstones—frozen precipitation balls that form within intense thunderstorm updrafts—strike the surface of a roof with sufficient force to cause deterioration. The severity of hail damage can vary significantly, depending on factors such as the size of the hailstones, the velocity at which they fall, the materials used in the roofing construction, and the age and condition of the roof at the time of the storm. In this blog post, we’ll explore the impact of hail on roofs, delve into why it’s a serious issue for homeowners, and discuss the risks associated with delaying repairs to hail damage.
Effects of Hail Damage on a Roof
The impact of hailstones can lead to a range of detrimental effects on a roof. For example, on asphalt shingle roofs, hail can dislodge the granules from the shingles, which are critical for protecting the asphalt layer from UV light and weathering. This can accelerate the aging process of the shingle and lead to leaks. In more severe cases, hail can cause cracks or even punctures in the shingles, leading to immediate water ingress.
For metal roofs, while more resistant to hail, significant impacts can still dent the surface, potentially compromising the roof’s aesthetic appeal and, in some cases, its structural integrity.
Why Hail Damage is Serious
Hail roof damage is a serious problem for several reasons. First and foremost, the integrity of a roof is paramount in protecting a building and its occupants from the elements. Even seemingly minor damage can lead to water infiltration, which can cause a cascade of issues ranging from mold and mildew growth to structural damage within the building. Over time, the cost of addressing these secondary issues can far exceed the cost of repairing the initial hail damage. At first, the shingles may not show many signs of damage, however, those strikes have loosened the granules. Over time the granules will separate and wash off leaving the exposed fiberglass mat and asphalt. This will leave your roof looking spotted and exposes the asphalt to UV which breaks it down and eventually leads to deterioration and leaks.
It also causes the granules to be washed out into the gutter systems, which can accelerate clogging and add excessive weight to the gutters. This can lead to costly repairs down the road and can even pose a safety hazard if not addressed promptly.
How Delaying Action Can Cost You More Money
It’s crucial to recognize that timely assistance is available when dealing with hail damage, but acting swiftly is essential. Your homeowner’s insurance may cover hail damage, depending on your policy. However, delaying the process of filing a claim, or postponing the repair or replacement of your roof, could significantly increase your costs. Most insurance providers offer a one-year window from the date of the hail event for policyholders to file a claim. Failing to file within this timeframe could result in a denial, leaving you to bear the full cost of a new roof instead of merely covering your deductible.
From a financial perspective, hail damage can significantly impact property value and insurance premiums. Homes with unrepaired roof damage are less attractive to potential buyers, who may factor in the cost of roof replacement into their offers. Additionally, areas prone to frequent hailstorms may see a rise in insurance premiums, reflecting the increased risk of payout for hail damage claims. Insurance companies may also mandate stricter inspection requirements or enforce higher deductibles for hail damage, transferring a greater portion of the financial burden to the property owner.
What You Should Do if You’re Roof is Hit by Hail
In summary, hail roof damage is not merely a superficial concern but a significant threat to the structural integrity and financial value of a property. Its potential to cause extensive secondary damage, coupled with the complexities of detection and insurance claims, underscores the importance of prompt inspection and repair following hail events. Awareness and proactive management of hail roof damage are crucial in safeguarding a property’s condition and value in the face of severe weather challenges. If your home is hit by hail, don’t delay action!
The key is to find a roofing contractor skilled in addressing hail damage and proficient in handling homeowners insurance claims, who can also respond promptly. If you’re located in Tennessee or Georgia, reach out to Roof MD. We’ll inspect your roof and provide expert advice on its condition, whether it requires minor repairs, or if it’s time to file a claim for a replacement. Our expertise extends to working with all insurance companies, ensuring that your coverage benefits you to the fullest. We’re committed to ensuring that your insurance compensates for all entitled damages, restoring your home to its complete state.