November 9, 2022
Many people in the United States have experienced hail storms this year. Do I need to replace my roof if it was damaged by hail? Do I need to get a new one, or can it be repaired and last for another few years? These are common questions that homeowners ask when they experience damage from a storm. In this article, we will discuss how long your roof can last with hail damage and whether or not you should replace it after any type of storm!
There are a few things to consider when answering this question. The first is the size of the hailstone. If your roof was damaged by golf-ball sized hail or larger, it will likely need to be replaced. The second factor to consider is how old your roof is. A roof that is nearing the end of its lifespan should also be replaced after sustaining hail damage, regardless of the size of the stones.
However, if your roof is new and has only been minorly dented by hail, it can often be repaired without needing to replace the entire thing. Talk with a professional about what course of action is best for you! So, do I need to replace my roof if it was damaged by hail? It depends on the size of the hailstone and how old your roof is. If you are unsure, consult a professional to get their opinion!
Hail can cause significant damage to roofs. A proper hail damage roofing inspection is important to identify and assess the damage so that it can be repaired quickly and properly. This guide provides information on how to inspect a roof for hail damage.
The first step in inspecting a roof for hail damage is to look for visible signs of damage. Hail can cause dents, cracks, or punctures in the roofing material. Look for broken or missing shingles, as well as displaced flashing around chimneys and vents. If there is any standing water on the roof, check to see if it is from recent rain or hail accumulation.
After looking for visible signs of hail damage, you should do a thorough inspection of the roofing material. Start by checking the shingles for dents, cracks, or punctures. If you find any damage, gently lift the shingle to see if the underlayment is also damaged. If there is damage to the shingles and/or the underlayment, the roof will need to be repaired or replaced.
You should also check around chimneys and vents for displaced flashing. Flashing is a metal sheet that is used to seal off these areas from water intrusion. Hail can cause flashing to become loose or displaced, which could lead to water infiltration and roof damage. If you suspect hail damage but are unable to do an inspection yourself, it is best to contact a professional Hail Damage Roofing Inspector. They will be able to properly assess the damage and recommend the appropriate repairs.
Roof Hail Damage What to Look For
Dents in the Shingles
Bruising or Cracking in the Shingles
Bare Spots on the Shingles
Loose Granules in Your Downspouts and Gutters
Soft Spots in the Shingles
Dents or Dings in Metal Roof Vents, Metal Valleys, or Flashing
Roof Hail Damage Repair Cost
Roof hail damage repair cost can vary depending on several different factors. The size, shape, and incline of your roof are some of the things that may get factored into the price, but for the most part, the repairs will be gauged by how much work has to be done. A simple repair to part of your roof, or even one side of your roof will essentially cost less than a full roof replacement.
For asphalt roofs, you can expect to pay between $400 and $700 per “square” (100 sq. ft.) for repairs, and between $5,000 and $20,000 for full roof replacement due to wind or hail damage. We have an article on metal roof cost in Minneapolis here that you can read if your metal roof has been damaged, that will break down replacement costs for the different types of metal roofs.
In the case that you do find damages on your roof, this next section will offer some tips on roof hail damage insurance claims.
Roof Hail Damage Insurance Claims - What You Need to Know
When dealing with roof hail damage insurance claims, or any home insurance claims for that matter. It’s important to go with a reputable insurance company! According to the Insurance Information Institute, about 1 in 50 home insurance claims every year are related to wind and hail damage.
An insurance claims process can be frustrating and time-consuming, and end up costing you way more than you expected and being a big headache if you aren’t prepared in advance.
Depending on the size of the claim you need to cover damages to your home, you could end up fighting with your insurance company, and wind up paying thousands of dollars out of pocket.
According to Consumer Reports, 41% of home insurance claimants with claims over $30,000 have experienced disagreements over damages to their home, disputes about insurance coverage, payment delays, and slow insurance payouts.
Tips for Getting the Best Coverage for Your Roof Hail Damage Claim
Getting the best insurance coverage for your roof hail damage claim can make a huge difference in how your hail damage insurance claim goes. It can also affect how much money, if any, you end up having to dish out of your own pocket.
- Pick a Top Insurer – Someone very reputable and well known for their exceptional insurance claims experiences:
- Read Your Policy! – Make sure that your home insurance policy explicitly states that you are paying for homeowners insurance that includes wind and hail damage coverage.
- Hire an Experienced Contractor – Sellers Roofing Company – New Brighton has years of experience handling, insurance claims of all types for homeowners. One of our experts would be happy to guide you through the entire process and make sure everything goes smoothly.
- Prepare in Advance – Keep your roof free from debris, and have routine roof inspections performed by a licensed contractor
Roof Insurance Claims Process - Step by Step
The mortgage company will generally need to approve any repairs before they release your check, and generally, the first check that is cut will go to the roofing contractor as a deposit for the materials or as payment for the completion of the repairs or replacement.
After the roofing repairs or replacement. Sellers Roofing Company- New Brighton takes pride in offering the home and business owners of greater Minneapolis our expertise and guidance with any and all insurance claims concerning the exterior of your home!