Is Hail Damage Covered By Insurance?
There are instances where your hail damage will be covered by insurance. The factor that will ultimately impact whether coverage is included is the cause of the damage. For example, if a tree has fallen on the roof, or a severe hail storm has impacted your roof, homeowners insurance will likely cover the cost of repairs. Dwelling coverage is the specific portion of a homeowner’s insurance policy that pertains to your roof. Commonly covered perils include fire, wind, and hail damage. Thus, it is perfectly likely that your hail damage will be covered. It’s important to remember that as a homeowner, you will likely need to pay a deductible.
What Does Roof Damage From Hail Look Like?
Bruising, cracking, and missing granules are all signs of hail damage. While it may not be immediately apparent from ground level, there are many parts of the roof that could be affected. Roof ridge caps can be particularly impacted by hail damage. Even if the surface of the shingles does not appear to be affected, the impact of large pieces of ice hitting the roof can cause damage to the underlayment.
How Much Does it Cost to Repair Hail Damage to a Roof?
If the entirety of the roof needs to be replaced, homeowners can expect to pay around $5,000 and $20,000. If it’s appropriate to repair sections of the roof, it can cost between four hundred and seven hundred dollars per “square”. Square is a common roofing term used to describe a one-hundred square foot roofing section. Other factors that will impact the cost will be the quality of the roofing material, and the overall size of the roof, or the impacted area.
How Long Do You Have to File an Insurance Claim for Hail Damage?
If you are in need of Hail damage roof repair in Suwanee and Atlanta, GA, one of the most important things you can do is contact your insurance provider. Fortunately, most insurance providers do not have a deadline or timeline on how long it may take after hail damage to start claim procedures. However, some insurance companies advise customers to file a claim within thirty to sixty days after the occurrence.
Is Hail Damage Expensive to Repair?
Projects around the house can be expensive, but necessary to complete. One such home repair project is central air conditioning repair. If your home is in need of such repairs, it’s always important to contact a reputable professional. With regard to how expensive such repairs can be, it’s important to consider the scope of the damage. For instance, if one side of the roof is affected, only the affected area will need to be replaced. However, if the entire roof is affected, it is always a wise choice to have it replaced when the opportunity arises.
What is Roof Hail Damage
When hail arrives at your doorstep, it can damage your roof and the surrounding structures. Hail can leave large and small punctures on the surface of your roof. It can also leave dents on your gutters and bruising on the underlayment of your home. It is also important to consider that the other weather elements that accompany a hail storm will impact the overall damage. Wind can rip away shingles, and increase the velocity of the impact of your hail damage.
Can Hail Damage Roof
Depending on the kind of shingles you have on your roof, hail will impact them differently. For instance, hail will hit and harm a wood shingle in a radically different way than an asphalt composition shingle. For an asphalt shingle, homeowners can expect random damage with no comprehensive pattern. Loss of granules and hail hits that are black in color. For wood shingles, homeowners can expect a split in the shingle that is brown or orange in color. They can also expect a split in the shingle that has little to no deterioration at the edges.
Roof Hail Damage When to Replace
Recognizing when to replace your roof is important, particularly if your home has an older roof. The more impacted your roof is by hail, the less it’s going to be able to survive another hail storm. Because homeowner’s insurance does provide coverage, it’s an excellent opportunity to secure coverage if your roof has been impacted. If you have received a thorough roof inspection by a qualified roofer, and they recommend a roof replacement, make sure to go over the reasons at length. Your insurance provider will also send in their own agent to determine whether a roof replacement is necessary. If all parties agree, the roof replacement should take place.
What Roof Hail Damage Looks Like
Roof hail damage can appear in a variety of ways. Please browse through the following list of signs of roof hail damage.
- Black punctures in your asphalt shingles.
- Bruised underlayment.
- Dented flashing and gutters.
When you have roof hail damage in Suwanee and Atlanta, GA, call SimpliRoofing first at (470) 361-2210. Your roof repair or replacement is in good hands with our professional experts.