Hailstorms can wreak havoc on homes, particularly the roof. When a new house roof is totalled by hail, homeowners may feel overwhelmed by the damage and unsure of how to proceed. The roof is one of the most important structural components of a house, and when it’s compromised, it can lead to a host of other problems—water leaks, mold growth, and structural instability.
This blog will guide you through the steps to take when your new house roof is totalled by hail, ensuring that you can address the damage swiftly and efficiently while protecting your investment.
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TLDR – Quick Guide:
Immediate Roof Inspection: Start by inspecting your roof for visible hail damage, but avoid walking on the roof.
Document the Damage: Take photos and videos of the hail damage for insurance and repair purposes.
Contact Your Insurance Company: File a claim as soon as possible and provide them with all necessary documentation.
Temporary Fixes: Use tarps or plywood to prevent leaks and further interior damage.
Hire a Professional Contractor: Work with a reputable contractor who specializes in hail damage to assess the extent of the damage and provide estimates.
Roof Replacement Options: Consider new roofing materials that can withstand future hailstorms.
Stay On Top of Repairs: Delaying repairs can lead to additional damage and could affect your insurance claim.
How to Inspect for Hail Damage
Hail can leave behind noticeable damage, but sometimes the destruction is not immediately visible from the ground. Here’s what to look for when inspecting your roof after a hailstorm:
Signs of Roof Damage
- Dents or Bruises: Hailstones can create dents or bruises in shingles, leaving dark spots or areas where granules are missing.
- Cracked or Broken Shingles: Hail impact can crack shingles, especially older or lower-quality roofing materials.
- Loose Granules: If you notice an excessive amount of granules in your gutters or downspouts, this is a sign that your shingles have been impacted by hail.
Professional Roof Inspection
While some hail damage can be spotted from the ground, it’s crucial to have a professional inspection. Climbing on the roof yourself can be dangerous, and without the proper expertise, you may miss critical damage. Professional roof inspectors will use specialized tools and techniques to assess both visible and hidden damage.
Documenting the Damage for Insurance Claims
Once the hailstorm has passed, it’s time to document the damage. This documentation is vital when filing an insurance claim and working with a contractor for repairs.
How to Document the Damage
- Photos and Videos: Take clear photos of the affected areas, especially any dents, cracks, or missing shingles. Ensure these images are date-stamped.
- Detailed Notes: Write down the areas of the roof that were damaged, along with any visible signs of interior leaks or ceiling water spots.
- Weather Reports: Include local weather reports to confirm the date and time of the hailstorm. This evidence supports your insurance claim.
Importance of Prompt Documentation
The sooner you document the damage, the stronger your insurance claim will be. Waiting too long could result in further roof deterioration, which could affect the success of your claim.
Filing an Insurance Claim for Hail Damage
Once you’ve assessed and documented the damage, the next step is contacting your insurance company. Knowing the process and being prepared can make this step smoother.
Contact Your Insurance Provider
Reach out to your homeowner’s insurance company as soon as possible. Inform them of the hail damage and request instructions on filing a claim.
Insurance Adjuster Visit
The insurance company will likely send an adjuster to inspect the damage. Be sure to provide all of your documentation, including photos, videos, and any initial estimates from roofing contractors. If possible, have your roofing contractor present during the adjuster’s visit to ensure nothing is overlooked.
Coverage for Roof Replacement
Your insurance policy will determine the amount of coverage for roof repair or replacement. Policies differ—some cover the full replacement cost, while others only cover the depreciated value. Review your policy and speak with your insurance representative to fully understand your coverage.
Temporary Fixes to Protect Your Home
While waiting for insurance approval or a contractor to begin work, it’s important to take temporary measures to protect your home from further damage. A damaged roof can lead to leaks, water damage, and mold growth.
Quick Temporary Solutions
- Tarp the Roof: Place tarps over any exposed areas to prevent water from seeping into your home.
- Use Plywood: If large sections of shingles are missing, consider using plywood to cover the exposed areas temporarily.
- Check Attic and Ceilings: Be on the lookout for water leaks in the attic and inside your home, particularly during the next rainstorm.
Taking these steps can help minimize damage to the rest of your home while you wait for permanent repairs.
Hiring a Professional Contractor for Roof Replacement
Choosing the right roofing contractor is crucial when replacing a hail-damaged roof. Not only do you want a company experienced in hail damage repair, but you also need a contractor who understands how to work with insurance companies.
Tips for Choosing a Contractor
- Verify Credentials: Ensure the contractor is licensed, bonded, and insured.
- Get Multiple Estimates: Don’t settle for the first estimate. Get quotes from at least three different contractors to ensure you’re getting a fair price.
- Check Reviews and References: Look for online reviews and ask the contractor for references from previous customers who have had hail damage repairs.
Warranty Information: Make sure the contractor provides a warranty for their work. Some contractors offer extended warranties that cover future storm damage.
Roof Replacement Options: Strengthening Against Future Hailstorms
If your roof has been totalled by hail, you have an opportunity to consider materials that offer better protection against future storms.
Best Roofing Materials for Hail Resistance
- Impact-Resistant Shingles: Class 4 impact-resistant shingles are designed to withstand hail without cracking or denting.
- Metal Roofing: Metal roofs are highly durable and resistant to hail damage. Some types of metal roofing can withstand hailstones up to two inches in diameter.
- Slate or Tile: While more expensive, slate or tile roofs are extremely durable and can last for decades, offering excellent protection against hail.
Choosing durable roofing materials can increase your home’s value and provide peace of mind when the next hailstorm hits.
Key Takeaways
- Hail Damage is Serious: Hailstorms can cause significant damage to your roof, which should be addressed promptly to prevent further issues.
- Document Everything: Thoroughly document the damage with photos, videos, and notes for insurance claims and contractor consultations.
- Act Quickly: File an insurance claim and hire a professional contractor to begin repairs as soon as possible.
- Consider Future Protection: When replacing your roof, consider materials that will offer better protection against future hail damage.
FAQs
Look for signs such as dented or cracked shingles, missing granules, and leaks inside your home. A professional inspection is recommended for a thorough assessment.
Most homeowners insurance policies cover hail damage, but the extent of the coverage will depend on your policy. It’s important to review your policy details.
This varies depending on your insurance provider and state regulations, but it’s generally recommended to file a claim as soon as possible after the storm to avoid complications.
Yes, even new roofs can be damaged by hail depending on the severity and size of the hailstones. Hail can cause dents, cracks, and granule loss, compromising the roof’s integrity.
Hail as small as 1 inch in diameter can cause damage to certain types of roofing materials. Larger hailstones, typically 2 inches or more, can cause significant damage requiring repairs.
A roof usually needs to be replaced if more than 25-30% of the surface is compromised or if the structural integrity is severely affected. Extensive damage to shingles, flashing, or underlying decking often warrants a full replacement.
A new roof can significantly boost home value by improving curb appeal and providing assurance to potential buyers about the home’s condition. It can also lead to better energy efficiency and lower maintenance costs, making the property more attractive.
Taking immediate action after your new house roof is totalled by hail is essential to protect your home and investment. Following these steps will help you navigate the process smoothly, from inspection to repair or replacement.