Roof damage due to hail in North St Paul is quite common. If you too own a home, you can save a considerable amount on your roof repair by taking some proactive steps to protect your roof against hail damage. By taking definitive steps to mitigate the affect of these frozen balls of precipitation on your roof, you not only ensure longer life of your roof but lesser roof repair expenses as well. For instance, it will be a good idea to invest in hail resistive roofing materials.
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To help you judge the seriousness of matter you should know that in the recent times, hail storms have produced baseball-sized hail. These have already caused extensive damage to roofs of residential properties in major cities as well as the suburbs. Given the size of the hail, you can easily imagine the degree of damage that they can cause to your roof, especially if it is made of asphalt shingles.
There is a very good chance you may need an inspection for roof hail damage at some point if you live in Texas.
Thunderstorms are a common occurrence in Texas as well as many other heartland states. These storms are often violent and cause massive property damage from wind, lightning, and hail. We often think of tornadoes as being the most destructive part of a storm; however, tornadoes usually only destroy a few dozen structures before dissipating. One hail storm, on the other hand, often strikes thousands of homes when it passes over a large urban area. Sometimes roof hail damage is noticeable from the ground, but most of the time a roof inspection is required to determine if damage is present. If your home has been struck by hail, you will need to have an initial inspection, call the insurance company, and select a roofing contractor to do the necessary work.
When hail strikes an asphalt shingle roof, it usually loosens the protective granules and creates a soft spot the size of the hail stone. There is a fiberglass reinforcing mat in the shingle. The soft spot happens because the mat has been crushed in this particular spot. Usually the damaged area is sunken in like a crater. These sunken areas are sometimes called "bruises." If the hail was large, the impacted areas will be very visible from the roof level. The bruises will be less visible if the hail was smaller in size. Smaller hail can still cause soft spots that weaken the shingles even if they are not visible from ground level. Hail damaged shingles do not always leak initially because they are double coursed and have felt underlayment. The damage will, however, cause the roof to deteriorate faster and start to leak.
You will need to have a roof top inspection to determine the extent of the damage. It is best to have a good roofing contractor inspect the roof for you to determine if you have hail damage. Your roofer can tell you if the damage is severe enough to file an insurance claim. You should call your insurance company when the damage has been confirmed by your roofer. You will be issued a claim number, and an adjuster will be assigned to the claim.
The insurance adjuster will often use chalk to draw a ten foot by ten foot square on your roof. Insurance companies look for the amount of hail "hits" within that square to determine if the whole roof should be replaced. Replacement is usually necessary if the amount of hits is between five and ten per one hundred square feet. If the amount of damage is borderline, you may want to have your roofer present when the adjuster arrives. The roofer can show the damaged areas to the adjuster and represent your case. If the roof is totaled, the adjuster will measure the roof and calculate the replacement cost based on the insurance company's price structure. Initially, you will be issued a partial payment. The balance will be held until the roof is complete and the invoice has been turned in.
There have been many homes damaged by the recent hail storms. From Georgia to California the insurance companies have been overwhelmed with the amount of claims. The insurance companies have been requesting that homeowners evaluate their property for hail damage. If you suspect that your home may have damage, there are a few key inspections that may confirm your suspicions.
The size of the hail will have an impact on the amount of damage you may find to your home. The air conditioning unit is the easiest place to locate damage. The metal coils will have dents that are circular in appearance. It may appear that the unit was struck by hundreds of golf balls.
Locate the downspouts that extend down from your gutter system. There may be large amounts of ceramic granules in the drain that have washed off of your roof system. If you find more than a handful of granules, then the integrity of your roof system has been compromised. Be sure to keep the granules in a zip lock bag to show the insurance adjuster when he or she arrives to inspect your home.
All homes usually have screens on their windows. The screens are considered an excellent source for locating hail damage. There will be dents in the screens and a torn place or two may be present as well. The larger the hail the bigger the dents will be on the screen mesh. The metal frame that holds the screen in place is likely to have dings and dents visible.
Your patio or lawn furniture is a great place to locate hail damage. Most patio or lawn furniture is made from soft metals. These soft metals will show dings and dents if it was stuck by hail stones. The material for your umbrella or the seats may have damaged material with holes present. Your grill will have dents or splatter marks from the impact of hail stones if it was out in the open.
The best place to locate the most damage is on your roof system. This can be extremely dangerous so I must advise against scaling a ladder unless you are experienced. The shingles will have divots that are clear to see. It will appear that someone has been teeing off golf balls on your roof. The roof tiles will have round circles present where the granules have been disrupted from the hail. Also, there will be more damage noted on the north elevation due to the Jet Stream. Be sure to check the soft metals on the roof structure for dents or dings.
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