Roof damage due to hail in Osseo 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.
Being professional roofing contractors we know all too well the damage hailstorms can do. Hailstorms produce balls of ice ranging in size from a few centimeters up to nearly 6" in diameter. A 6" piece of hail is pretty rare, and would certainly do major damage to your home, but even the more common, smaller hail frequently does enough damage to roofs and siding to require major repair work.
Hail damage is not always easy to detect, especially if you have a two or three story home and cannot easily access your roof. Hail damage can leave your home exposed to potential water damage as well as limiting the lifespan of your roof. Because of this you should identify and deal with damage as soon as you can. If you wait too long you may also be denied by your insurance company when you finally get around to filing a claim for the repairs. Have there recently been any hail storms in your area? Do you suspect your home may have been damaged? The following steps will help you determine if there was any damage and outline the steps to getting it repaired.
Step One: Check around the exterior of your home for visible damage. Look for things like freshly damaged paint or dents in the siding. If you are able to safely access your roof, look for missing shingles or shingles with blisters or dents. Also, check for dings and dents in your gutters and downspouts.
Step Two: Check inside your home for visible damage. New water stains on your ceiling or running down your walls is a problem that needs to be immediately addressed! If you don't fix a roof leak in a timely fashion you could end up having to completely replace your roof, in addition to major repairs do to water leaking into your home.
Step Three: Contact your insurance agent right away and make sure they are aware of the damage. They will probably have one of their adjusters out to evaluate your home and prepare a cost estimate for the repairs.
Step Four: Contact your own local roofing contractor for an independent evaluation. Even if you trust your insurance agent and their adjuster, you should always get a second opinion from a roofing contractor you trust. Because they don't work for the insurance company they should be less biased in their assessment. Usually the roofing contractor you contact will be willing to communicate with the insurance company if there are any discrepancies in the two evaluations.
Step Five: Get everything in writing. The roofing contractor you decide to hire should provide you with a contract detailing the work to be done and what it will cost. You insurance company should also provide you with paperwork about the details of your claim. Cover yourself by getting as much as you need to feel comfortable in writing.
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