Hail Damage: Know How To Identify It And What Problems It Can Cause
It’s another stormy day in wonderful Colorado. The hail is once again battering your house, and as you’re waiting for the storm to stop, your mind is already busy thinking of what kind of hail damage you may have suffered.
Storm damage restoration can be a nightmare if you live in Colorado. Denver, Boulder, Fort Collins, Parker and most other areas in Colorado are affected by several hail storms every year.
Hail damage can compromise the functionality of your house in many ways. That’s why it’s important for you to inspect your property right after every storm and quickly assess whether you need roof or siding repair. Doing so will prevent further damage to your property and determine whether you need to file a hail damage insurance claim .
How Can You Tell If You Have Hail Damage To Your Roof Or Siding?
How do you go about spotting hail damage?
The answer may seem obvious: You just have to look at your house and check for any broken shingles, chipped or missing siding and so on. Simple enough, right?
That may be the case after some storms, but often hail damage is not visible to the naked eye. In other words, just looking at your house is not enough. You need to understand exactly what to look for.
Let’s talk about how to spot the signs of hidden hail damage to both your roof and siding.
When Do You Need Roof Repair After A Hail Storm?
After any storm, your roof needs special attention. You obviously want your roof to be in top condition to avoid structural problems and annoying water leaks inside your house. After all, the roof plays a significant role in preserving the value of your home. Plus, a damaged roof will lose its curb appeal, hurting the overall appearance of your property (and even its value).
Hail damage to your roof can be tricky to identify. If your eyes are not well-trained, it’s easy to overlook signs of hail damage. And though a problem with your roof could manifest itself through a water leak during or after the storm, this is not always the case. You may think the hail storm has been pretty kind to you, while instead you are doomed to face serious roof problems down the line.
So what are some common signs of hail damage to your roof?
First of all, take a look at your gutters, roof vents, metal valleys, flashing and other metal parts on your roof. Do you see any dents caused by the hailstones?
If you do see dents, your roof has likely been damaged. Of course, the dents on your metal components will need to be addressed too. But the damage to your shingles may be more subtle.
These are common signs of hail damage you need to look for:
- Missing granules
- Bruised shingles
- Black substrate exposed by the impact of a hailstone
- Little cracks or missing portions in the shingles
Just taking a quick look at your roof may not be sufficient. You may even need to climb a ladder and feel the roof with your hands. By feel, you can quickly detect dimples in the shingles. Use your finger to press the dimpled area; if there is a give, this is a clear sign of hail damage.
This kind of damage may not cause a leak immediately, but it will in time. A shingle with bruises, missing granules, or black substrate exposed can no longer withstand severe weather conditions. The shingle will continue to deteriorate until a leak occurs.
A minor leak may not become visible until months later when it starts to ruin the interior of your house. In the meantime, the water may have affected the underlying structure of your roof, compromising its overall stability. If that happens, you will have a serious problem to deal with, and your chances of getting compensation from your insurance company months after the storm are now scanty.
Has Your Siding Been Damaged By A Hail Storm?
The material of your siding will determine what kind of damage to look for.
For instance, vinyl siding is the easiest to check. When hit by hail, this kind of material tends to crack or break. While a missing shingle is very easy to spot, checking all the cracks or chips in your siding may require a more thorough inspection. Examine your siding at close range and even from different angles to make sure you find any areas that suffered hail damage.
If you have metal siding, any damage will most likely present itself in the form of dents. Dented siding is, of course, a severe cosmetic problem that depreciates the value of your property. However, dented siding may cause other kinds of problems.
The dent deforms the siding, and the change in shape can weaken the connection between slats. In this case, you could end up with a water leak later on that will rot the structure of your house or spoil the interior. Alternatively, the damaged siding could be stripped off during the next wind storm, leaving your home unprotected.
Finally, if your house is covered by wooden siding, it should be fairly easy to spot any hail damage. Wooden siding usually breaks or cracks when hit by hail, so the damage is quite visible.
Should You Call A Professional Roof Inspector?
Assessing whether your house needs storm damage restoration is not necessarily easy. Only experts with well-trained eyes can always do the job thoroughly.
When you have reason to believe that your house has been damaged by a hail storm, contacting an experienced roof inspector is the best way to be on the safe side.
Always remember that hail damage may be covered by your homeowners insurance policy , and it is your right to take advantage of that.
An experienced roof inspector will give you a comprehensive appraisal of the hail damage suffered by your property. Signs of damage that might easily be overlooked by you will be evident to him.
The report your roof inspector prepares will be a detailed description of the storm damage restoration your property needs, and he will provide an accurate estimate for the work. This report from a professional roof inspector will be valuable when you file your hail damage restoration claim, helping you receive adequate compensation to cover all the expenses for restoring your property.
Once you file your hail damage insurance claim, an adjuster will get in contact with you to inspect your roof and siding.
So then why should you call a roof inspector since the insurance claims adjuster will inspect your house to assess the hail damage?
This is a good point. It may look like you are having two people do the same job. But that’s not the case.
As we explained before, hail damage may be difficult to spot with untrained eyes. The adjuster that comes to your house will not necessarily be a hail damage expert. The damaged areas you can’t see may not be obvious to him either. Therefore, you could end up with an estimate that doesn’t take into consideration all the hidden hail damage. The day you discover a problem with your roof or siding, you will have to handle the problem on your own since filing a claim will be difficult so long after the fact.
Since your homeowners insurance policy may cover all the expenses, including total roof or siding replacement if needed, it would be a shame to lose this opportunity for reimbursement just because the inspection you received was not exhaustive.
5280 Creative Construction Solutions has 20+ years of experience in roofing inspection. Our insurance negotiator Daniel Koski has a well-established reputation in the field, and he can assist you in assessing the hail damage to your property and filing the hail damage claim with your insurance. With our team of experts on your side, your house will be restored to its pre-storm state—and your insurance will pay for it.
We help clients in:
- Fort Collins
Call us today or text at 720-724-6862 and our roof inspector and insurance negotiator will be in touch with you soon.