Do I Need to Replace Roof After Hail?

Do I Need to Replace Roof After Hail?

Do I Need to Replace Roof After Hail? - A Hail Damage Roof Inspection Guide

Do I need to replace roof after hail? That’s a good question. The answer is that it depends. Most of the time, the roof damage caused by hail is not immediate. In many instances, you won’t even be able to see the hail damage from the ground. Hail damage, when left to worsen, can lead to rot of the underlayment and roof decking, mold, bacteria, and other water damage problems. So if you suspect that your roof has taken on any damages from severe weather of any kind, it’s best to have it inspected to be sure.

 

Sellers Roofing Company – New Brighton has expert roof inspectors on roofs every day in the greater Minneapolis area. They are trained to notice any areas of your roof where hailstones have damaged your roofing system and put your home or business at risk of any damages. If you would like to take advantage of a FREE, no-hassle roof hail damage inspection, just click the button below or call (651)703-2336 to set up a convenient time to meet with one of our expert storm damage inspectors.

If you feel comfortable climbing on your own roof, keep reading and we will share some tips with you on how to inspect your roof for hail damages, plus get give you some helpful information on hail damage repair costs and hail damage insurance claims

A Hail Damage Roof Inspection Guide - Roof Hail Damage What to Look For

First things first. To answer your question, “Do I need to replace roof after hail?” you first will need to access the damages. As we previously stated, some asphalt roof hail damage isn’t visible from the ground. That’s one of the main reasons that hail damages to asphalt shingles are allowed to sit unnoticed and worsen over time, letting moisture to seep into your underlying shingles, underlayment, deck, and even your attic. This excess moisture, in the long run, can cause structural deterioration, and lead to very costly issues if left untended.
 
Here are some signs of asphalt roof hail damages that you can look for if you decide to inspect for damages yourself:
 

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

 

Rule of thumb: If you notice any visible damages to your vents or skylights, fixtures, or flashing, there’s a very good chance your shingles are suffering too. In some cases, hail damage to asphalt shingles may not be visible even when you are looking straight at the shingles.
 
Tip: If you notice blemishes on your roof, and you are unsure if they are from hail damage, you can rub your hand over the surface of the shingle to check for dimples in the surface. If you find any, press on the dimples with your fingertips to see if there is any play in the material. If there is, that means that the shingles have taken on enough damage to degrade their integrity.
 
By degrading the integrity of your shingles, we simply mean that there are parts of the shingle where the asphalt granules have been removed by the hailstones, making material beneath more vulnerable. If you do find hail damage to your roof, this next section will tell you what to expect your roof hail damage repair cost to run you:
 

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.

 

Here are some tips for getting the best coverage for your roof hail damage claim:
 

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.

Here’s the thing:
 
Insurance companies are well aware of the fact that they could end up spending a lot of money on insurance claims involving your roof. In fact, most insurance companies have offset this known fact, mitigating their risk by implementing special insurance coverage options for your roof.
 
Here are some tips for getting the best coverage for your roof hail damage claim from the start:
 
Pick a Top Insurer – Amica and USAA are 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 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

If you do end up needing roof repairs or a re roofing due to hail damages, the first thing you should do if your home or business has been hit by a severe weather storm is record the damage. Take pictures, videos, and make a list of everything you see that may be damaged. Then, the damages will need to be correctly assessed by your insurance company. Try to notify your insurance company immediately after you notice damages to let them know what happened so that they can get the claims process on the way, and get an adjuster to come out and assess the damages.
 
Your insurance agency will then require you to pay the insurance deductibles that you agreed on when the insurance policy was purchased before filing your claim, and the deductible amount will vary from case to case depending on how bad the damages are.
 
After the adjuster makes their assessment, a summary of damages will be sent to you along with the first check. This is where having an experienced roofing contractor who is familiar with the insurance claims process comes into play. Our roofing experts here at Sellers Roofing have years of experience working with insurance claims, and we can make our assessments of the damage and then take a look at your paperwork and discuss the figures with the homeowner, and the agency if needed to review the accuracy of the summary and payment estimates.
 
Your insurance company may withhold a “depreciation” value back from the total amount of your claim, which will be the difference in the value of a new roof and the value of your existing roof. For a 10-year old roof, the deduction may be around $3,000 to $5,000.
 
Some insurance companies will offer to “refund” the sum for the depreciation amount to the contractor after the project is complete, but don’t expect in your initial cash claim.
 
After the roof hail damage claim is approved and you get your money, your insurance company will expect you to get the repairs done within a given time frame. If you have a mortgage company, expect some extra paperwork there too, that will need to be filled out to get your check released.
 
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 is completed, your roofing contractor will send a detailed invoice of the total costs of the project to your insurance company, along with a signed verification of the completed project. Once your insurance company approves the invoice, they will cut a second check that will be sent out to cover the remaining costs of the project.
 
Sellers Roofing Company 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! We have experts with years of experience working with homeowners and claims adjusters, and we can guide you through every step up the project until completion! If your home or business has taken on damages from an unexpected storm, falling debris, or any other type of accident, we are just one call away!
 
Click any of the buttons on our site, or call us during normal business hours at  (651)703-2336 to have one of our expert roof inspectors come out and meet with you
 

Do I Need to Replace Roof After Hail? - Final Thoughts

When your home or business is put at risk by something unexpected, it pays to have reputable, experienced roof hail damage contractors to call on to take away some of the headaches of the roof insurance claims process. Chances are that you may not need a full roof replacement. The damages may only call for an area of the roof to be replaced, or in some cases, the damage is so minor that no repairs are needed at all.
 

Sellers Roofing Company – New Brighton  is proud to be there for the residents of the Twin Cities area, and we are honored that we are one of your favorite roofing contractors to call on for all of your roof hail damage concerns. If you are the victim of severe weather damages to your home in Minneapolis, give our team a call today and find out why Sellers Roofing Company – New Brighton is the best friend you can have on your side have when disaster strikes!

 

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Sellers Roofing Company serves the complete roofing needs of customers throughout New Brighton, Roseville and all of Minnesota. We’re available for inspections, repairs, roofing installations and insurance claims, with the experience to work on roofs of all sizes and types. We provide upfront estimates, quality workmanship and great guarantees! We’re happy to work with any insurance company to help you file your claim and always work hard to expedite work so you have a safe, secure roof over your head.

Contact us today by calling (651)703-2336 or fill out the form on our website today.

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(651)703-2336
1100 County Rd D West No.100
New Brighton MN 55112

Serving all of Minnesota, Including St. Paul, New Brighton, Chaska, Shoreview, and Roseville, MN

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