How Does Hail Damage Your Roof

Check the ridge cap of the roof for dents.

How does hail damage your roof.

Look at the shingles. For example hail can cause dings in aluminum siding gutters or asphalt shingles whereas it can crack vinyl siding or wood shakes. This area of the roof will receive the most damage from hail since it is flat and will take a direct hit in a storm. Based on the impact hailstones do against asphalt shingles and roofs it is possible the damage looks similar to golf ball divots made on greens and bunkers.

Homeowners file a claim pay the policy deductible and then the insurer pays to fix the damage. Hail storms can cause a wide range of damage to your roof and your property in general. Hail hits appear as black colored divots. It is definitely not worth a trip to the hospital.

Hail damage can either be functional or cosmetic in nature. If you notice shingle granules in your gutters you may have hail damage on your roof. Asphalt s tough exterior receives only cosmetic damage. Hail damage can also be affected by the number of shingle layers on a roof.

Even seemingly minor hail storms can cause significant problems that you might not notice until the damage increases over time and creates openings that may be harder for a roof leak repair or even require a replacement roof. Climbing on a roof can be dangerous unless you are experienced. Types of roof damage covered by your insurance will depend on the policy s terms and the reasons your roof needs to be repaired or replaced. Hail damage on your roof will cause granules to break loose at the site of each hail stone impact.

Because seamless gutters are frequently feature aluminum or copper construction the signs of hail damage include telltale denting. Gutters are also susceptible to hail damage. Second layer shingles are more susceptible to damage than first layer shingles because the surface directly underlying the shingle is less supportive than dense wood. Alternatively softball sized hailstones can be dense enough and strong enough to puncture a roof.

Check the whole shingle as well as the edges for signs of damage. Hail is a powerful force of nature that can even damage roofs made with concrete tiles if the stones are large enough and wind speeds are high. In many states usually where hail is less frequent a standard homeowners policy includes hail damage to a roof as part of your protection coverage. Additionally the age and condition of a roof could affect the degree of damage.

Typically a policy covers problems that are sudden or.