Hail stones are one of the biggest causes of weather-related roof damage. The biggest hail stone recorded in the US was from Vivian South Dakota that fell on July 23, 2010. According to the National Center for Atmospheric Research in Boulder Colorado, the hail stone measured 8 inches in diameter and weighing 1.94 pounds.
In a report of the National Insurance Crime Bureau report on May 2016, Colorado had the second highest hail insurance claims from 2013 to 2015 ranking next to Texas. The state of Colorado accounts for 182,591 hail claim insurance while Texas recorded a staggering number of 394,572 hail claims.
It’s just starting
Whether you live in these states or not you may have to eventually file for a hail damage roof insurance claim. As the peak season for Atlantic hurricanes is just starting to warm up, most of these storms can produce hail stones. Most damages of hail storms happen in the Mid-west causing millions of dollars in properties.
The top of your home takes a lot of damage from hail storms. Your roof has the largest surface area exposed to hail. Hail stones can puncture or knock off your roof shingles without you knowing it. Being exposed to the sun’s harmful rays without the outer protection can shorten the lifespan of your roof. The ultraviolet rays of the sun make the rest of your roof shingles to become brittle and more susceptible to degradation.
Just because you cannot see the damage, you would think you are safe from hail storm damage. Well, think again. Ignoring signs of hail roof damage can cost you more money. Here are the two of the most common mistakes when you choose not file a claim.
# 1 Thinking your roof did not receive any hail storm damage
Not every hail stones can damage properties, some can be so small it cannot cause any harm. But after a hail storm event, check for other signs of damage before going up on your roof. Pay attention to other signs that may give you a vague idea of how big the hail stones are.
Check for the actual hail stones in the weather report; note the duration and the wind speed of the storm. Trees, like your roof, are also exposed to nature and it is always good to check for any broken branches. Hail stones that are large enough can cause tremendous damage to your surroundings like broken tree branches and dents on cars.
With an untrained eye, everything will look fine. But with a trained professional eye of a roofer, it is a whole different world. A professional roofing contractor can see into small cracks, dents, or holes and as to what further damage it can cause to your home. It is always best to call a reputable roofing contractor to check for any damages caused by hail.
# 2 Recognizing hail damage but ignoring to file a claim
When you notice hail stone damages on your roof, you should take it seriously regardless how minor it seems. If you see dents or pieces of shard littered in your home after a hail storm, chances are your roof suffered damages as well. A small hole in your roof may seem innocent for now, but when water leak from it, it can decay your roof support and can cause molds. These repairs do not come cheap, and once you finally notice the damages, chances are you are no longer covered by your insurance policy.
So after a hail storm, it is always advisable to file a claim immediately. If you need to confirm the extent of the damages, call a professional roofing contractor. Take the stress out of your mind and let them handle the problem.