It’s not a good way to start your day, to wake up after a storm to find hail damage to your vehicle. Depending on the hail’s size, it can cause severe damage to your car and other property. When hail hits, your roof is an essential part of your home. Hail can reduce the lifespan of your roof and even cause a complete roof replacement.
Hail damage on roofs can be challenging to spot if you don’t know where to look. We’ll show you what hail damage looks on your rooftop.
This article will explain hail damage and how to spot it from below. It also explains three things you need to know before starting the insurance process.
What does hail damage look like on a roof?
Hail damage to your roof can be either very obvious or difficult to spot. You’ll notice dents and dings on your roof shingles if the hail is larger (1 inch or more).
Even if your roof has no large dents in its shingles, it doesn’t necessarily mean that you don’t have hail damage. You will notice hail damage on your roof if you have dents/dings/splatter marks on your roof vents and gutters.
There’s a good chance that your roof has suffered any of the above damage. It is a good idea to immediately call a roofing contractor if you suspect your roof has suffered some damage.
If you believe you may have hail damage, you need to call your insurance company immediately. Although a local roofing contractor in Myrtle Beach may be able to advise you on the process, they cannot do any actual work (repairs/a replacement) until your insurer approves the hail damage claim.
How to determine if hail damage has occurred from the safety of your ground:
I wouldn’t recommend anyone unable to walk on a roof to inspect for the damage safely. If your insurance company sends someone to check it, there’s no reason for you to be in danger.
However, I appreciate your desire to research before you file an insurance claim. Here is a list to help you check for hail damage visible from the ground.
- Downspouts (Above five feet, so it cannot be blamed on lawnmowers)
- Garage door strikes or dings
- Window screens should have holes
- Shutters or painted wood shutters are dingy
- Your electric meter, AC unit, or grill may have splatter marks or dings.
- Your mailbox or other soft metals are damaged
- Car hood and top dents
This doesn’t necessarily mean that your roof is subject to severe hail damage. This list is not meant to be a guideline for when you should contact your insurance company to file a claim.
Get your Storm Damage Checklist to make inspecting your property and looking for signs easier.
Before you start the insurance claim process, here are three things you should know
You now know how you can identify hail damage. There are a few things that you should know before you file a claim. These are the 3 things you must remember before you start your insurance claim.
1. Insurance can be confusing and ambiguous.
The reputations of both the insurance and roofing industries are not great. Unfortunately, many roofing and insurance companies don’t always have your best interests at heart.
We know that the insurance process can be confusing and ambiguous. This is a way for scammers to take advantage of homeowners desperate to have their roofs fixed.
However, this does not mean that every roofing company or insurance company is out to make a profit off you. I am merely trying to let you know that both sides try to exploit people in stressful situations.
This will help you to be aware of the basics and prevent you from being in this situation.
2. Do not sign anything until your roof insurance claim has been approved
The roofing industry has a bad reputation, as I mentioned earlier. It’s because many roofing companies try to force homeowners to sign contracts before inspecting the roof.
Do not sign any paperwork from a roofing company if you are panicking about storm damage.
They want you to sign a contract to give them access to your roof before your claim is approved. This will mean that you won’t be able to choose your roofing contractor.
A reputable roofing contractor will walk you through the insurance process and give you an honest assessment of storm damage to your roof. If your insurance claim is approved, they will ask for your business.
3. Sometimes, insurance adjusters make mistakes
Everybody is human, and everyone makes mistakes—even insurance adjusters. Although most insurance adjusters will be able to spot storm damage, they may make mistakes and deny your claim.
There’s no need to panic if they decline to pay your claim. There are many ways to double- and triple-check your roof for storm damage.
Asking for a second adjuster to inspect your roof is the best way to get a different opinion. While they may approve your claim, sometimes the second adjuster might insist that the top is ineligible for a claim.
After the second adjuster has said no if you think you have storm damage, an engineer can come to your house to inspect your roof and provide proof to your insurance company that your roof needs to be replaced due to storm damage.
Are you ready to learn more about homeowners insurance?
You need to know these three things before starting the insurance claim process. You can call your insurance company to start the hail damage claim process.
Before you contact an insurance company, ask yourself: “Do I know what I can expect from this process?” You’re not the only one who doesn’t know what to expect.
It can be difficult and stressful if you’re new to the insurance claims process. We have broken down the process of filing a homeowners insurance claim to help you prepare for dealing with your insurer.
Call Greg Lilly Roofing & Restoration now if you need help installing, fixing, maintaining, or repairing your roof.
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