Tornadoes and thunderstorms including high winds and hail are not uncommon weather conditions. Along with the storms comes potential damage to your home.
While most people are very aware of hail damage to their vehicles but how many actually check for hail damage to their home?
Damage from torn up trees and shrubs, flooding and other damage often takes precedence, but it is important to check if there is significant damage to your siding and roof from the hail.
After any major storm that includes hail you should be inspecting your home. Don’t reserve your inspections only for obvious damage or if a supercell storm passes through.
On average, storms cause around a billion dollars in damage to property and crops on an annual basis.
Damage from hail can be extensive as the balls of ice can reach speeds of 120 miles per hour. This can cause damage from smashed windows to large dents and splits.
Not all damage is that obvious though and there may be small to large dents or pock marks. Even small hail stones can cause damage.
These small areas of damage can be quite difficult to spot but it is important that these are assessed and repaired if necessary, as well.
Storm and hail damage services we offer include:
- Inspection of siding and roof to identify any damage
- Estimates on recommended repairs
- Assessments in conjunction with insurance professionals
- Replacement or repair of damaged roof components
- Inspection scheduling
It is possible for you to check for damage to your siding and roof yourself. You would need to check after any hailstorm, especially if they included punishing winds.
It is important that you are able to check up close as looking from the ground will not give you a good overall picture of the damage done by the storm. This is why a professional may be the best recourse.
A professional trained in what to look for is able to safely assess your roof and siding. They will generally look for the following:
- Dents in metal flashing, roof vents and valleys
- Full inspection of all metal components on the roof
- Inspect all ridge caps (any damage needs urgent replacement)
- Cracks or breaks in shingles
- Missing sections of asphalt
- Signs of granule protection degradation
It is not always easy to determine the damage with the naked eye. In some cases the person doing the assessment of damage may have to run their hands over shingles to check for dimples and cracks.
Replacement of ridge caps would also need to be done by a professional as any leakage will result in water coming in to the roof space, which can lead to a lot more problems later on.
Shingles that show black substrate will also need replacement as the protective granules will have been removed.
Shingles are created from base materials such as organic felt or fiberglass, the main body from asphalt or similar material and contain a protective granular layer on the top.
Most shingles will also have self-sealing strips to improve the protection of your home against the elements. Damage to any of the component will require that the full shingle be replaced.
After inspection of the roof, it is important that the siding is checked for damage as well. Even if there is no or minimal damage to the roof, there may still be significant damage to the siding.
Aluminum siding is particularly susceptible to dents and damage especially if there were high winds accompanied by hail. Oxidation marks due to storm damage is a warning that the siding may need to be replaced.
Many people will sand off the marks, wash it with special chemicals to remove them and even paint over the disfiguring marks
This is a temporary solution and hides the damage as opposed to a long term and more effective solution. You can check for oxidation on the siding by running your hand along it. You may feel small dimples and find a chalky residue on your hand.
This is evidence of damage to the siding and that it needs replacing. A spotlight can be used to check for dents and gaps in the siding or places where the gaps are uneven.
There may be warping and buckling, especially in vinyl siding. Damaged siding provides a lower level of protection for your home.
Potential result of hail damage that is not repaired
Even light hail damage can have some severe consequences. The exterior of your home needs to be sound in order to protect the interior.
Mold is one of the main issues that results from roof and sidings not being repaired when necessary. Moisture seeps in to your home.
Besides rot, the mold can spread and destroy everything it grows on. Repairing and replacing parts of your home infected with mold can be very expensive and a lot more difficult than repairing the initial damage.
Damage to the roof and siding can also result in an increase in your power bill due to air flow through the damaged areas. Hot air will escape in the cold months, making your home colder, resulting in added heating and extra costs.
Your home may be drafty and sections of the home may be uncomfortable due to the cold. The damaged areas may also allow pests to creep into your home and even infest whole sections of the house. You may literally end up with bats in the belfry.
I’ve had a hailstorm and suspect damage, who do I call first?
Calling an insurance company first may result in costs due to an increase in premiums even if there is no damage requiring repair or replacement. We offer free consultations.
As a professional roofing company, we can do a full roofing and siding inspection for you. This will assist you in deciding whether or not to open a claim with your insurance company.
We have a good reputation and can offer a reasonable estimate. We can show you what was found during the inspection and advise on the best way to proceed. We believe in showing that we are professional and trustworthy.
This is why we enjoy meeting owners on site to discuss and display the findings and give in-depth information and advice on our recommendations.
Once we have done the inspection, we can present a detailed list of damages found which you can use when contacting your insurance company.
Most home owners will have an insurance that will cover most of the expenses. The extra costs would usually be the deductible and items that may not be covered by the insurance.
When the insurance adjuster does the inspection, it is important that you let us know so we are clear on what the repairs are that they are covering. We will come out to your home and work alongside your insurance company to repair and replace according to the approved claim.
Once you receive your first check and the estimate letter from the insurance company, we would be happy to meet with you to review the estimate.
If all goes well and the estimate is fair, we can arrange to start work. Should the estimate have errors, we will submit a supplement on your behalf to the insurance company to make things as easy as possible for you.
The cost of repairs and replacement can differ quite dramatically depending on what needs to be done, the materials used, roof size, pitch of the roof, location, layers, code requirements, obstacles and type of application. Materials can differ quite a lot with asphalt shingles being the most cost effective.
Wood is the next step up but requires high maintenance and treatment to prevent fire can also be costly. Slate roofs look great and are durable but the costs are even higher than the wood shake.
The cost of materials is part of the price, but a larger portion of the estimate will be the labor required to do the work. The pitch of the roof and number of obstacles can also result in an increased labor cost due to the increased difficulty.
The age of the roof may also see a complete replacement as being more economical in the long run than patching up large sections on a continuous basis. A new roof also improves the curb appeal of your home and may add value to your home as well.
Frequently asked questions:
What is the purpose of the granules on asphalt shingles?
The granules protect the underlying asphalt layer and also block UV rays. When the granules are removed by hail stones, the shingles can be damaged easier, there is less UV protection and the underlying layers may be susceptible to further damage.
Is hail damage easy to see?
Some hail damage is fairly easy to see especially if there are cracks or breaks. On some shingles the damage may appear as a dark spot due to granule damage.
There may also be dents which may not be so obvious. Exposure of underlying layers is easy to see and this means the damage is quite severe. Some damage can be seen from the ground, but most often the damage would need to be assessed on the roof to get a better idea of the extent of it.
How soon should I repair hail damage?
It is important that the damage be assessed as soon as possible. This is to ensure that your insurance will process the claim as there is a statute of limitations on how long after the damage you can make the claim.
Damage to the siding and roof can also lead to further problems such as insect infestation, mildew and mold inside your home.
Quick repairs will limit the extent of these problems before they cause further damage resulting in extra costs to you as the home owner.
Even if you have a completely new roof, any damage would need to be claimed from your insurance company as hail damage is not covered by manufacturer warranties in most cases.
We are proud of our reputation in the roofing and siding business. We believe in discussing the project with you, the home owner before we start. We believe in delivering what is asked in an agreed upon timeframe.
We have been in the industry for some time and can offer great pricing on top quality, cost-effective materials. Our methods are tried and tested and we do our best to suit your personal style and budget.
Call us for a free inspection or consultation for your roof related project.