Hail Damage Repair

Answer: False. Missing shingles are associated with wind damage. If high winds accompany a hail storm, you may see missing shingles. But roof hail damage is another matter altogether. It is very often not obvious to the untrained eye, and can be so subtle in nature that its effects may go unnoticed until leakage becomes a serious problem far down the road.

Answer: True. Numerous insurance companies limit claims for hail damage to one year. Some have a claim limit of even less. But it is also true that, due to the fact that roof hail damage may not present itself immediately, some insurance companies will pay claims past the stated deadline. However, the waiver of claim limits generally only happens when a hail storm occurs over a large geographical area.

Answer: False. Warranties by manufacturers usually very specifically exclude hail damage. The same is true with home builders and roofing contractors. In fact, a new roof is more vulnerable to hail damage as opposed to a more seasoned roof because new roofs must cure over time through the daily exposure to the elements.

Answer: False. Any roof hail damage whatsoever during a storm qualifies you to file an insurance claim. The damage may not seem like much, but it can create roof leaks for years down the line. Be sure to have your roof inspected by a company that is experienced in roof hail damage repair and, if any damage is found, file your claim immediately.