Hail Damage And Roof Replacement

4 go ahead and get one or two detailed proposals for replacing your roof.

Hail damage and roof replacement.

Functional damage is hail damage that affects the overall integrity and potential longevity of the roof and shingles and perhaps the capability to even use or inhabit the property safely. Hail is a powerful force of nature that can even damage roofs made with concrete tiles if the stones are large enough and wind speeds are high. If your insurance company refuses to honor the claim or is being difficult then consider contacting a public adjuster to help defend your case. Regardless of what any contractor tells you your insurance company must approve your claim for a hail damaged roof.

Gutters are also susceptible to hail damage. Because seamless gutters are frequently feature aluminum or copper construction the signs of hail damage include telltale denting. If all goes according to plan then your insurance company will approve the hail damaged roof replacement allowing you to get a brand new roof paid for by your insurance company. As an inspector it s your job to make sure you make note of everything that was damaged on the homeowners property.

You can buy only actual cash value coverage for wind and hail damage if your roof is too old to qualify for replacement value coverage. Hail can damage your roof without any visible signs from the ground. If you need to file a claim state farm works with you throughout the insurance claim process. 3 contact your insurance company and let them know of any damages hail or wind that you think you may have incurred.

Hail damage can be described as either functional or cosmetic. Your insurance reimbursement will be based on the. Hail normally has to be the size of a golf ball before it will break through your roof or cause bruising. The integrity of the shingle may be damaged do not take a chance on it.

Do i have hail damage to my roof.