Every storm season brings at least a few hailstorms. Hailstorms drop balls of ice of varying sizes, which can do quite a bit of damage to your home. The largest hail stone on record was nearly 6?. If your home was hit with pieces of hail like this there would certainly be damage, but you should know that even much smaller pieces of hail can do significant damage to your roofing and siding because of the velocity at which it is falling.
Hail damage is not always easy to detect, especially if you have a two or three story home and cannot easily access your roof. Hail damage can leave your home exposed to potential water damage as well as limiting the lifespan of your roof. Because of this you should identify and deal with damage as soon as you can. If you wait too long you may also be denied by your insurance company when you finally get around to filing a claim for the repairs. Have there recently been any hail storms in your area? Do you suspect your home may have been damaged? The following steps will help you determine if there was any damage and outline the steps to getting it repaired.
Step 1: Look for visible damage on the exterior of your home. Walk around your home and check the siding for dents or freshly damaged paint. If you can safely get a look at your roof, inspect the shingles for blisters or dents, or missing shingles. Don’t forget to inspect your gutters and downspouts for dings and dents.
Step 2: Look for visible damage inside your home. Are there new water stains on your ceiling or running down your walls? If so, you should have this damage addressed immediately before it gets any worse! If roof leaks are left un-repaired you may end up having to completely replace your roof, in addition to making costly repairs to interior of your home.
Step 3: Call your insurance agent and let them know about the damage, or even if you only suspect damage. They will likely send an adjuster to your home to take a look around. The adjuster will perform an inspection, prepare a cost estimate for the damage and help compile the paperwork for your claim.
Step 4: Call a roofing contractor you can trust to get another estimate for the repair work. Most insurance adjusters are trustworthy, however it is still a good idea to get a second opinion from a contractor who is not biased. Most roofing contractors will give you a free estimate. The roofing contractor that you hire should be willing to communicate with the insurance company to arrive at an appropriate and fair resolution.
Step 5: Make sure you get everything in writing! Your insurance company should provide you with written information regarding your claim and what will be covered. Your St. Paul roofing contractor should also provide you with a written contract outlining in detail the work to be done and what it will cost. Hailstorms can do an incredible amount of damage to your roof in a short amount of time. Once the storm passes, don’t waste any time in assessing any damage the storm may have done.
If you suspect damage, contact your insurance company, and your St. Paul roofing contractor to get their assessment. The longer you delay the more it could cost you!