During hail, a roof can become damaged very easily, especially if the hail is large. When this happens, the damage can be minimal or it can be severe. Below is some information about different types of hail damage and the steps you need to take to get your roof fixed promptly.
Learn Different Types of Hail Damage
There are different types of hail damage your roof may receive during a storm including:
- Pits and dents: Pits and dents are major hail damage. A flat roof will receive deeper pits and dents from hail when compared to a pitched roof.
- Paint problems: If your roof is painted to add to the aesthetics of your home, the paint will chip during hail damage. This is known as pockmarks and they will quickly make your roof look very unattractive.
- Loss of granules: If you have asphalt shingles, a hail storm will cause granular loss. If this happens with your roof, you may see nail heads start to show. Not soon after this, your roof will likely start to leak.
- Chipped or split shingles: Hail can chip or split your roof shingles if the hail is large enough or if the storm was severe. These shingles would have to be replaced quickly as your roof may leak.
Steps to Take
If you notice any of the above damage, do not immediately call a roofing company to repair your roof. Instead, contact your insurance company, like Skipton Claims Management. They may cover your entire roof or at least part of it, depending on what type of policy you have.
You will first file a claim stating what the damage to your roof is. The insurance company will send an estimator to your home to assets the damages. The insurance company will then send a roofing company to your home to estimate what it will cost to repair your roof. From this point, they will decide what they will pay you for the repairs.
Hire a Public Adjuster
Filing an insurance claim can be stressful and it can become very confusing. If you do not want to go through this process on your own, you can hire a public adjuster. A public adjuster can go over your homeowner's policy and explain it to you, determine the damage to your roof, and how much money it will cost you to repair the roof.
One major advantage of hiring a public adjuster, is they will negotiate with your insurance company to settle your claim. This means they may be able to get the insurance company to pay more money to you to get your roof repaired or entirely replaced.
If you have questions about your insurance policy contact your insurance company. You should understand what your policy covers and the amount of your deductibles.