Types of Storm Damage To Roofs: What to Look For
We all know that our region is no stranger to a variety of severe weather and events—from torrential downpours to hailstorms and even the occasional tornado. While these natural phenomena can be awe-inspiring, they can also wreak havoc on your roof. So today, let’s talk about the different types of storm damage to roofs and what you should be on the lookout for.
Related Article: Hail Damage to Roofs: When do you need repairs?
5 Signs of Storm Damage Every Homeowner Should Know
Hail Damage
Ah, hail—the golf balls from the sky that can turn your roof into a dimpled mess. Hail can cause dents or punctures in your roofing material, especially if you have asphalt shingles or a metal roof. If you’ve had a recent rain or hailstorm, check for granule loss on your shingles or dents in your metal roofing. These may seem cosmetic but can lead to more significant issues if not addressed.
Wind Damage
Heavy, strong winds often don’t just blow away your lawn furniture; they can also lift or even tear off your roof shingles. If the wind was howling during the last storm, make sure to check your roof for any missing or loose shingles. Don’t forget to look at the edges and corners, as these areas are more susceptible to wind damage.
Water Damage
We’ve all heard the drip-drip-drip of a leaky roof after a heavy downpour. Water damage is sneaky; it often starts small but can lead to significant issues like mold growth or structural damage. Check for discolored spots on your ceilings or walls, and if you see any, it’s high time for an inspection.
Debris Damage
After a storm, it’s common to find twigs, leaves, and even larger branches scattered about. While these might seem harmless, they can cause serious damage through scratches or dents and, in worst-case scenarios, puncture your roof. It’s crucial to remove debris as soon as it’s safe to do so and check for any visible damage.
Impact Damage
In extreme storms or tornadoes, objects can become airborne and strike your roof with incredible force. From flying patio furniture to fallen tree limbs, impact damage can be severe and require immediate attention.
What does hail damage look like on a roof?
How do you know if your roof or exterior has hail damage?
On Asphalt Shingles
If you have asphalt shingles, you’ll likely see areas of missing shingles where the granules have been knocked off, leaving a dark, exposed patch of the underlying asphalt layer. These areas are not just cosmetic issues; they expose the shingle to the elements, speeding up wear and tear.
On Metal Roofs
For metal roofs, hail damage is often more noticeable. You’ll see small to large dents or dimples across the surface. Depending on roof damage and the size and velocity of the hailstones, these dents can range from barely perceptible to clearly visible.
On Tile or Slate Roofs
If you’ve got a tile or slate roof, high winds and hail can cause cracks or even break the tiles entirely. Given the durability of these materials, it often takes a pretty significant hailstorm to cause this level of damage.
Soft Spots or Dimples
Sometimes, the hail damage is less severe damage but visible and more tactile. Running your hand over the surface, you might feel small dimples or soft spots where the hail has compromised the integrity of the roofing material. These areas are susceptible to further damage, so it’s crucial to get them fixed ASAP.
Water Damage Inside
Don’t forget to check inside your home. If hail has severely damaged your roof, you might find water stains on your ceilings or walls, indicating leaks that need immediate attention.
Is a hail damaged roof covered by insurance?
What’s Generally Covered
Typically, the insurance company will cover the cost of repairs or even a full roof replacement if the damage to your roof is severe enough. This could include damage to shingles, gutters, and any resulting water damage inside your home due to a compromised roof.
Policy Exclusions
However, some policies have exclusions, especially if they consider your roof to be in poor condition before the hailstorm. It’s essential to read the fine print on your insurance policy to understand what roof storm damage is and isn’t covered.
Deductibles and Depreciation
Be aware that you’ll likely have a deductible to meet before your insurance kicks in. Plus, some homeowners’ policies account for the depreciation of your roof, meaning they might not cover the full cost of a brand-new roof if your existing one is old.
Time Limit for Claims
Insurance companies often set time limits for filing hail damage claims after severe storms, so don’t wait too long after the storm to get an inspection and submit your claim.
Professional Inspection is Key
One of the best ways to ensure you get the coverage you’re entitled to is to get a professional roof inspection after any hailstorm. An inspector like Robbins Roofing can provide a detailed report complete with photos, which can be an invaluable resource when dealing with insurance adjusters.
How long do I have to file an insurance claim for hail damage?
The time frame to file an insurance claim for hail damage varies depending on your insurance policy and the insurance company covers you’re with. However, it’s generally a good idea to act as quickly as possible.
Typical Time Frames
Most insurance policies require you to file a claim within one year of the damage occurring, but some may have shorter windows, like 90 days or six months. Again, you’ll need to check the specifics of your individual policy to know for sure.
Why Acting Quickly Matters
Acting quickly doesn’t just help you meet homeowners insurance company due deadlines; it also can make the claim process smoother. The sooner you get an inspection and file a claim, the easier it is to prove that the hailstorm caused the damage. Waiting too long can lead to more wear and tear, which could complicate the claims process.
Professional Documentation
Getting a professional inspection right after the storm can provide you with the documentation you’ll need to prove your case to the insurance company. At Robbins Roofing, we can give you a thorough inspection to identify roof damage complete with photos and detailed notes, making it easier for you to navigate the claims process.
Start Your Storm Damage Repairs Right Away 🛠
Hire a Dependable, Trusted Roofing Contractor
If your home has been subjected to a recent storm, don’t procrastinate! Take a look at your roof for any of these signs of damage. And remember, the best way to confirm your roof’s condition is by scheduling a professional inspection. Robbins Roofing is here to help—our trained eyes can spot issues you might miss and offer solutions to keep your home protected.
So, stay safe, and don’t let the next major storm front catch you off guard. Give us a call to schedule your roof inspection today!
