Hail Damage to Texas Roofs

damage found during roof inspection

Damage that most commonly is reported after a hail storm lashes out in Texas, is roof damage. With hail damage, Texas leads the list compared to other states. This is due to the climate. Unfortunately, due to risks of hail damage occurring, Texas has one of the highest insurance premiums. Even though these premiums are high, we are thankful when hail damage occurs that we have this insurance to help cover repairs or replacement of the roof.

Different Factors for the Type and Amount of Damage
The damage from hail storms can vary. The amount and type of damage a hail storm may cause depends on a few factors. One of the factors is the wind. Speed and direction of the wind varies. Conditions changing with the wind can determine where, and how bad the hail impact will be. Another factor to weigh in is the density and size of the hail. Hailstones vary in sizes and may be as small as a pea, but at times they may be as big as softballs. The majority of hailstone edges are not smooth. This can change the kind of damage they cause. Hailstones that are as big as softballs may puncture your roof. Depending on the condition and age of your roof also impacts the amount of damage that may occur. This was just a sample of factors that can impact the amount or kind of damage your roof may experience during hail storms.

Look of Hail Damage Differs
Damage from hailstones to the roof have different looks, depending on the type of roof you may have. Wood shingle roofs will look different from hail damage than composition shingles, or asphalt. Roofing contractors are experienced to know how each type of roof would look like with hail damage. Some examples of what hail damage looks like with wood shingles are orange/brown color split, shingle split with the edges and corners being sharp, and dents or marks of impact on the splits of the shingle. Composition shingles and asphalt have a different look. The impact of the hail leaves black marks. Mat or asphalt may appear to be shiny. Roof felt may be exposed because of granules being lost. Spots where the hailstones hit down on, are soft when touched.

What to do After a Hail Storm in Texas
After a hail storm your roof should be inspected for damage from an experienced roofing inspector. Insurance adjusters do not always check for damage that is not visible. Damage not seen by an untrained eye, can turn into problems in the future that are major. The roof inspector you call, should be experienced working with claims that have to be submitted to the insurance company. This will help get the full amount of compensation that is entitled to you, when hail damages your roof.

Prior to calling a roofing inspector or insurance company, there are tasks homeowners should perform. The insurance company will want this information, to help process the claim. If your roof demands emergency repairs, call an experienced roofing company immediately, as well as the insurance company.

  • Write the time and date of the hail storm. You will want to do this immediately, so the time is accurate. Weather reports can verify for the insurance company you are accurate with the time and date.
  • An extremely important task is taking pictures. Walk around your entire property doing this. Some of the pictures should include patios, sidewalks, and yard that have hail stones on them, and a tape measure with the hail stone next to it. Sizes of these stones, is relative to the amount of damage the shingles and roof may have taken.
  • From a safe spot, snap photos of any shingles that are torn or missing, or any other visible damage. Roofing inspectors can take photos any other photos of the roof you were unable to take.
  • You will also want photos of units for air conditioning, that are outside. Cooling fins can bend and dent form these hail stones.

Time for the Roof Inspection
After completing these tasks, contact an experienced roofing contractor to give your roof a complete inspection, prior to contacting the insurance company. There may not be a leak now, but damage the roof might have sustained from hail stones can eventually turn into one. Damage that is hidden can be found by the roofing contractor. They will do a complete inspection of your roof, checking to see if the hail damage justifies filing a claim to your insurance company.

Almost all roofing companies will perform the inspection of your roof free. You want to be sure to pick a company that has experience and good reputation. They should be factory certified and also from your area. Check with the Better Business Bureau to see their rating, and if there are any complaints against the company.

Some Tips to Follow With the Roofing Inspection

  • Make sure you are home at the scheduled time the roofing contractor is expected.
  • Explain when the hail storm was, and what happened during it. If you have your photos, show them to the contractor.
  • Ask the contractor to use chalk to outline any areas damaged by the hail, and photograph them. After, he can review the photos with you.
  • Let the roofing contractor know you would like no repairs done right now, you only want the inspection.

If any damage from the hail was found, the contractor can explain to you if filing an insurance claim should or should not be done. With having experience with roofs and insurance companies, the roofing contractor will most likely know the chance if the claim will be approved.

Contact the Insurance Company
If the roofing contractor believes the damage to your roof from the hail storm, is enough for approval from your insurance company, contact them. They will send an appraiser to your home to access the damage. Make sure you give them any paperwork the roofing contractor gave you.