Many homeowner’s insurance policies cover the cost of repairing or replacing a roof that has been damaged by hail. However, in most cases, the entire roof is replaced rather than repaired. This is because the insurance company recognizes that the damage to the roof has shortened its lifespan and reduced its ability to protect against water damage. If your homeowner’s policy covers hail damage and your insurance company approves your claim, you will typically have to pay a deductible for the new roof.

If you’re unsure whether your homeowner’s insurance covers hail damage, you should contact us today and we will assist you with the insurance claims process.

Depending on your coverage, insurance may or may not cover roof damage. Hail, wind, falling items, and interior damage resulting from roof storm damage are often covered by insurance policy. 

Roof inspections involve a trained inspector conducting an in-depth visual assessment of the roofing system, including its components and overall condition. The inspection will then be documented in a report to determine any potential areas requiring repair or replacement.

Roofs are frequently damaged during storms due to exposure to wind and water. Here are a couple of issues a storm might cause to your roof. 

Shingle Damage

Hail and wind can cause shingles to lift, curl, crease, or lose their granules. Your roof may leak if one or more shingles are missing, which happens from time to time. In addition, as soon as you see damaged shingles, you will need to get them replaced or repaired right away. If not, the structural integrity of your shingle is compromised.

Attic Water Damage

Your attic is more prone to sustain water damage if there is a breach in your roof system allowing water to enter. Water damage symptoms frequently begin in your attic and spread to your top story ceiling. The rafters in your attic can be affected by moisture, which causes them to distort and develop surface damage overtime.

There are a variety of roof kinds on the market, and each has a distinct capacity to withstand storms. 

Metal Roofs

One of the safest, strongest, and least wind-prone roof materials is metal. These kind of roofing endure severe hail damage and last for decades. Furthermore, winds up to 160 mph are not a problem for metallic roofing. Naturally, the cost of a metal roof may be slightly more, but the lifespan justifies the extra expense.

Class 4 Impact-Resistant Shingle

Even though we believe a metal roof is the best option, a class 4 shingle would be the most cost-effective choice.
Hail and long-term damage to a roof can result from severe weather occurrences. Installing Class 4 shingles can lower the chance of impact damage to a property for homeowners in hail-prone areas. For homes with Class 4 shingles, many insurance companies provide a discount.