What Can Storm & Hail Damage Cost You?

Hail Damage Can Cost You

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Consider significant damage, the amount of time you have to make an insurance claim, and the cost.

Experts agree hail damage is a necessary and critical repair. The points below detail how hail damage can progress.

The shingles hit by hail have loosened the bond with the granules to the asphalt layer. While you cannot see this from the ground the loosened granules will often end up where your gutters drain. If you see a large accumulation of granules after hail you should have your roof inspected.

Once the granules fall off the damaged areas of the shingles, the sun’s ultraviolet light can weaken the exposed spots and make them brittle. In the winter, the shingle expands and contracts and can curl and crack after being weakened by hail. The exposed areas are then very susceptible to leaks and wind damage.

Storm and weather related damages have different characteristics as it passes through the seasons. Thus, an inspector can tell whether the damage is new or older. Insurance claim periods can vary but typically there is a set amount of time a home owner can make a claim after the damage occurs – whether you were aware of the damage or not. Aspen has detailed maps showing where and when areas received significant hail damage that can be useful to help pinpoint the damage date.

Once leaks occur, the damage can be extensive due to potential damage from mold, electrical issues, ceiling and wall damage from water and perhaps even personal property losses. The damage can also come very quickly and often is not initially detected.
Bottom-line, if you suspect you have hail or storm damage, have your roof professionally inspected.

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