Old Hail Damage On Roof

When a hail storm hits your property it can cause roof hail damage or the covering of your building s as well as other property.

Old hail damage on roof.

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. The roof was less than a year old when it was damaged by hail. In many states usually where hail is less frequent a standard homeowners policy includes hail damage to a roof as part of your protection coverage. For example old hail damage to asphalt shingles will appear weathered with the asphalt layer having a grayish tint whereas new hail damage will appear fresh with the asphalt layer being a dark black color.

Old hail damage to most roofing materials will typically have characteristics that are distinguishable from new hail damage. A deductible is the amount you have to pay toward a loss before your insurance company pays a claim. Even old hail damage may be covered by insurance. Should you find this on your roof address as soon as you can as failure to do so can lead to a leaky roof.

A 20 year old roof or older might only result in an insurer reimbursing you for what an older roof is worth at the time of the damage after decades of wear and tear. Your insurance reimbursement will be based on the. Whether they will pay for damage caused by wind rain or hail is determined by your policy and your roof s age. Large hailstones hitting your roof at a high enough velocity can cause cracking in circular patterns.

Roofs that are over 20 years old often have limited coverage if any. A damaged 10 year old roof will likely get coverage for a full replacement. To ensure approval of your claim keep records of repairs before and after photos and reports from inspections. Because seamless gutters are frequently feature aluminum or copper construction the signs of hail damage include telltale denting.

Dents on metal roofs. Gutters are also susceptible to hail damage. Hail damage on the roof is specified as a loss in water shedding capability or the reduction of the long term service life of the shingle. Homeowners file a claim pay the policy deductible and then the insurer pays to fix the damage.

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.