Hail damage is an ever-present concern for homeowners because it has the potential to severely compromise the integrity of your roof. It’s crucial to understand when your roof can weather the storm and when it’s time to call in a roofing contractor. In this post, Quality One Roofing Inc. will explain the signs and factors determining when a roof replacement is the best option for addressing hail damage.
Recognizing the Severity of Hail Damage
Hail damage is not always straightforward to identify, especially if you are not climbing up on the roof for an inspection. Significant hail impact can reduce your roof’s longevity, with one-inch diameter stones or larger having the potency to cause significant dents and warrant insurance claims. Recurring hailstorms, especially those involving smaller hailstones, can gradually deteriorate your roofing materials.
The Insurance Perspective on Roof Hail Damage
Details matter to insurance companies when it comes to hail damage. They consider the age of the roof, material and pre-existing condition during evaluation. Roofing materials like slate and certain types of metal can resist damage better than others. A newer, well-maintained roof might get by with repairs, while an older one might require more than just a simple roof restoration. The type of insurance policy you hold could greatly affect the outcome. An actual cash value (ACV) policy might cover only the depreciated value of your damaged roof, while a replacement cost value (RCV) policy should cover the complete replacement.
Assessing Damage for Roof Replacement
When an insurance adjuster inspects your roof for hail damage, they typically mark a 10′ x 10′ test area. If they see around seven to 10 points of impact within this area, they might recommend a roof replacement. Any effective roofing contractor, in partnership with your insurance adjuster, will help determine the scope of damage and the best course of action—whether it necessitates partial repair or a total roofing restoration.
Timing and the Claims Process
Most insurance policies allow up to a year to file a claim after a hailstorm, but you must be prompt in getting this process started. Roofers and insurers can access hail maps to confirm the timing of the storm and level of damage, thereby assisting in the validation of your claim.
The Decision Between Repair or Replacement
A professional contractor can work alongside your insurance to ascertain whether roof repair or replacement is the most cost-effective and protective option. With consideration for local climate conditions and the specific materials of your roof, they will provide an honest recommendation based on their assessment.
Protecting Your Investment
Your roof is a primary line of defense for your home. Ensuring that inspections are conducted after each significant weather event and that any necessary roofing restoration services are carried out promptly not only helps protect your home but also ensure that your insurance claims are honored when needed.
When facing the wrath of hailstorms, don’t take risks that can compromise the durability of your roof. If you’re unsure about the extent of hail damage your roof can endure, reach out to Quality One Roofing Inc. Our team is equipped to guide you through every step. Call us at (888) 301-7663, or fill out this contact form to get an estimate.