Hail Damage and Your Roof
Unpredictable severe weather in recent years has lead to widespread hail damage even in some of the warmer states. Now is the time to get your roof inspected and possibly replaced.
Kathy Ziprik, spokesperson for DaVinci Roofscapes tells us all homeowners need to know about hail damage, and how to get it remediated.
HGDI: How common is hail damage to a roof?
KZ: Hail damage is a lot more common than most people think. Severe weather conditions and changing weather patterns in recent years (especially the last decade) mean that folks in any geographic area can experience unpredictable hail at any time with a severe weather. For example, I live outside Asheville, NC. We never get hail, except we did about three years ago, and it destroyed a number of roofs in our area , including mine. Now I have a DaVinci roof overhead that is impact-resistant so hail will never again be a concern for me.
HGDI: If homeowners suspect hail damage to their roof, what is the first thing they should do?
KZ: Call their insurance company. Start there. Don't call a contractor. Your homeowner insurance company will want to send a representative out to determine the severity of the hail damage. Also, record the date and time of the storm that did the damage. That's something your insurance company will ask, so that they can verify severe weather in your area on the date you claim.
HGDI: With hail damage, does a roof usually require spot repair or roof replacement?
KZ: Hail damage is widespread usually, so, while sometimes you can get away with spot repair, it's more likely that you'll need a roof replacement. The insurance company will determine how much the roof has been damaged, and how much the roof and its underlayment are compromised, and then make a determination if they will cover repair or replacement.
HGDI: When it comes to remediation for hail damage, how much does insurance usually cover?
KZ: That depends on the insurance company. The best that a homeowner can hope for is that the roof is declared a total loss, so that a replacement roof can be done. The insurance company will evaluate the age of the home, the materials currently on the roof, and usually, if it's a full roof replacement, provide funding for a matching roof. A savvy homeowner may wish to use those funds to upgrade to a more resilient roof, so they never have to worry again about hail damage. Honestly, that's what I did.”
Image Source: DaVinci Roofscapes