Hail Damage Detection and Repair

Avoid significant roof damage and leaks from severe hailstorms. Knowing how to identify hail damage to your roofing system will help you get the insurance company and the roofer started on repairs before minor leaks can become severe water damage.

New Image Roofing Atlanta gathered information about hailstorms, detecting damages they can cause, and how to get your roof repaired or replaced when damages are sufficient for an insurance claim.

When is Hail Season?

When a thunderstorm reaches “severe” limits, it has intensified to the point that it will produce high wind gusts – 58 mph or more – and/or hail 1 inch in diameter or larger. Georgia’s peak severe thunderstorm or hailstorm season is March, April, and May.

Note: Autumn brings a secondary, smaller peak in hailstorms in early fall as air – higher in the atmosphere – cools down, while heat and moisture at the surface are still relatively high. Consider the following information about hail:

What is Hail – Hail is solid ice that forms inside thunderstorm updrafts. Hail can damage aircraft, homes, and cars and can be deadly to livestock and people.

How does Hail Fall – Hail falls when it gets heavy enough to overcome a thunderstorm’s updraft strength and is pulled toward Earth by gravity.

Note: Wind-driven hail can damage siding, break windows and blow into houses, shatter side windows on cars, and cause severe injury and/or death to people, vegetation, and animals.

Detecting Hail Damage

Hail damage is not always immediately apparent, and homeowners may not realize the harm done until there is a severe problem. Here are some key signs to look for when assessing your roof for hail damage:

Dented or Damaged Shingles – Inspect your roof for dented, bruised, or cracked shingles. Hail can cause granules to wear off, exposing the underlying material and compromising the shingle’s integrity.

Granule Loss – Check your gutters and downspouts for an accumulation of granules. Loss of granules can reduce the shingle’s ability to protect your home from UV rays, water, and other elements.

Soft Spots – Walk carefully on your roof and check for soft spots or areas where the roof feels spongy underfoot. This can indicate underlying damage to the decking beneath the shingles.

Dents on Metal Surfaces – Inspect metal components like gutters, vents, and downspouts for dents and dings. These are signs of hail impact.

Cracked or Broken Windows and Skylights – Hailstorms can damage windows and skylights. If you notice cracked or broken windows or skylights (it is a good indicator that your roof has sustained significant damage as well).

Dented, Cracked, or Damaged Boots and Flashing – Boots and flashing (protecting penetrations and joints) can be damaged or dislodged during a hailstorm, causing severe leaks.

Coordinating Hail Damage Inspections

Once you suspect hail damage, it is crucial to take prompt action to assess the situation and initiate repairs. Here is a step-by-step guide on how to coordinate inspections with your roofer and insurance provider:

Contact Your Roofer – Call a reputable roofing professional to schedule a thorough inspection. Choose a licensed and insured roofer with experience in hail damage assessments.

Document the Damage – Before the inspection, document the damage by taking clear photographs of affected areas. This visual evidence will be crucial when dealing with insurance claims.

Meet with the Roofer – Accompany the roofer during the inspection. Discuss your observations and concerns, and ask for a detailed damage assessment. A professional roofer can provide an estimate for repairs.

Contact Your Insurance Provider – Once you understand the damage and the estimated repair costs, contact your insurance provider and give them the documentation, including photographs and the roofer’s assessment.

Schedule an Insurance Inspection – Your insurance company will likely send out an adjuster to inspect the damage independently. Coordinate with the adjuster and your roofer to ensure a comprehensive evaluation.

Review the Insurance Claim – Review the claim with your insurance carrier. Ensure all documented damage is included in the claim, and clarify any discrepancies.

Approval and Repairs – When approved, work with your roofer to schedule the repairs. Choose high-quality materials and ensure repairs address both visible and underlying damage.

Watch this video for more information about insurance claim deductibles.

Severe Hailstorm Roof Damage

In this article, you discovered crucial information about hailstorms, detecting damages they cause, and how to get your roof repaired or replaced when damages warrant an insurance claim.

Your ability to detect damages caused by hailstorms will keep you from coping with significant leaks and water damage.

Failure to identify and repair hail damage can lead to severe leaks and costly structural damage to your home or business.

Sources:
nssl.noaa.gov/education/svrwx101/hail
weather.gov/ffc/hail
extension.missouri.edu/news/call-insurance-adjuster-to-determine-hail-damage
learnandserve.org/hail-homeowners-guide-hail-damage