How Much Hail Does It Take To Damage A Roof

Asphalt and composition shingles hail damage.

How much hail does it take to damage a roof.

If your roof contains one layer of common asphalt shingles it usually takes a 1 or above diameter hail stone to cause damage roof hail damage. Pea sized hail 1 4 inch a mild hailstorm might produce pea sized hail for only a couple of minutes before the hailstones shift back to a steady rainfall. Tell tale signs of hail damage on a roof. Does homeowners insurance cover hail damage.

Depending on the amount of damage your insurance company may either total the roof or decide that it can be repaired. Strong winds can cause significant damage to a roof also. Hail damage is one of the most common claims on homeowners insurance. Hail hits that are soft to the touch like the bruise on an apple.

Even in extreme weather situations damage to a metal roof will take the form of small dents but not puncture break or tear the roof. The amount and type of damage hail causes on roofs depends on a variety of factors. However even without those other variables we can take a good guess as to whether a roof has been damaged. Loss of granules which may expose the roof felt.

In 2017 hail damage affected more than 10 7 million properties and insured losses tipped the 10 billion mark in 2018 which begs the question what happens if your home gets damaged by hail. Hail damage to a roof is usually not the hail itself but the water that can seep through a roof damaged by hail. The level of damage and therefore the potential insurance claim also depends on the velocity of the hail the angle of its fall the hail size hail density and hail shape. When a big storm hits with winds and hail or if trees fall and hit your house your roof is often the part of the home that takes the lion s share of the damage.

Although you cannot fully determine the amount of hail damage on a roof from the ground there are some signs that a trained eye can point out and help determine if there may be more damage up top. Random damage with no discernable pattern. A roof that has been poorly maintained has recently sustained other types of damage or is simply past its prime has a higher risk of being harmed by hail than its newer and better maintained counterparts. Homeowners file a claim pay the policy deductible and then the insurer pays to fix the damage.

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. It accounts for nearly 70 percent of. Random damage with no discernable pattern. Asphalt and or mat that appears shiny.

The amount of hail damage to your roof may also be related to the number of shingle layers if you re dealing with a shingled roof. When this is the case a roof can often fare just fine. Roofs with multiple shingle layers may be damaged by smaller hail stones due to a softer support surface directly under the top shingle layer.