Tips for Identifying Roof Hail Damage

Thousands of homes experience hail damage every year. Those cool ice stones are not that cool if they become a threat to your property.

To be able to make a claim, it is important to identify hail damage as it occurs. Have your roof checked immediately by Interstate Roofing professionals after the storm. Hail damage may not look like a severe problem, but actually is anything but harmless. It leads to leaky roofs and, once the water is allowed in, you can expect all sorts of messy and costly problems.

So, how do you identify hail damage on your shingles? It is not a difficult process and homeowners can even do it themselves.

hail damage

Damaged roofing materials must be marked with chalk and photographed. Look at metal elements (vents, gutters, downspouts etc.), as they are likely to show damage better. Examine the ridge and look for shingles with displaced granules and for granules in the gutters. Also look for less visible signs of damage, such as dents in the shingles, and keep an eye out for cracked or split shingles.

For making a claim, you also need the expertise of a professional, to state whether the damage is just cosmetic or it represents a functional problem.

The Most Common Signs of Roof Hail Damage

Hail can damage any type of roof – really large hail stones can get at even the strongest, most durable roofing. The signs of the damage sustained can vary by the roofing system affected – here are the most common roofing materials and the respective signs that indicate hail damage:

  • Shingle roofs – dents, curling sides, punctures, cracks, bruises and missing surface granules are the most common signs of hail damage on asphalt shingles;
  • Metal roofs – metal roofing systems are extremely durable and resistant, but the point-like impact caused by hail stones can cause dents and deformation of the components. The severity of the deformations varies by the alloy used as well – steel is the most resistant to hail damage, while aluminium and copper can get dented more easily;

Denver roofing companies fix hail damage

  • Clay and cement tiles – these components are considered to be among the longest-lasting roofing materials, but both clay and cement are rigid material, prone to chipping, cracking and breaking when they are affected by impact.

Whatever type of roofing system you have on your building, the damage caused by hail must be taken seriously – the affected parts are weakened and they are prone to developing leaks than they used to be before the hail storm, so have Denver roofing companies fix hail damage as soon as you can.

The History of Colorado Hail Storms

Colorado is well-known not only as a state of extraordinary natural assets – it is also the area that regularly gets the most devastating hail storms in the nation, extreme events that cause damages of millions of dollars in the area year after year.

hail damage roof repair

Hail storms are the most common in the area that lays east of the Continental Divide, but the rest of the state is also frequently affected by storms that come with rain, high winds and large balls of ice. Here are some of the most horrendous hail storms in Colorado history:

  • July 11, 1990, Denver – the most devastating storm in US history up to that day came with thunder and hail stones the size of a baseball. The storm developed near Estes Park and by the time it reached Denver it was around 10 miles wide and the damage caused was around 625 million dollars;
  • July 20, 2009 – another storm that hit the area surrounding the state capital and had no mercy on the Mile High City either. The event came with winds that raged at around 80 mph and golf ball-sized hail, causing damages around 767 million dollars;
  • May 8, 2017 – the costliest hail storm in history swept through Golden, Wheat Ridge and the north-western part of Denver and it caused almost 1.5 billion in damages.

If your home is damaged by hail, call on hail damage repair Colorado Springs roofing company experts to make sure your home or business receives the upmost care and attention.

Hail Storms Attract Roofing Scams Protect Yourself and CHOOSE Interstate Roofing

When a large storm hits an area, it can attract scammers who will take advantage of people who have had their homes destroyed. These fly-by-night storm chasers will con homeowners into making a hasty decision and make off with their insurance money without doing the work. These scammers know just what to say to gain your trust. One of the best ways to prevent falling for a scam is to do your research on the company. At Interstate Roofing we are an established business and are proud to serve our communities. When the hail strikes Denver roofs, Interstate Roofing is a company you can trust.

Catching ‘storm chasers’: How roofing oversight rules are reshaping the industry

Colorado, Texas, Missouri and other Midwest and Southern states are known for their heavy storms, bringing wind, tornadoes and hail. Increasingly, they’re also becoming known for fraudulent roofing contractors, a phenomenon in which companies prey on homeowners following major storm events and take off with their insurance money.

In Missouri, “it’s changed the landscape entirely,” said Jason Shupp, president of St. Louis-based Ferguson Roofing and past president of the Roofing and Siding Contractors Alliance (RSCA), a regional association serving Missouri and parts of Illinois. “How any contractor goes to market has changed quite a bit.”

Fraudulent storm chasers also generate a sense of urgency among homeowners that isn’t always necessary. “They have a sense that they have to move really quickly, which isn’t always the case,” Shupp said. That’s because this kind of “storm chaser” knows that they must close the deal quickly before the homeowner researches other options.

Another common tactic is the promise of waiving any applicable insurance deductibles and a cost-free roof. Many states, including Texas, have laws against contractors waiving or rebating deductibles.

It’s important to note that not all “storm chasers” are rogues. “There are legitimate companies whose entire model is moving to where the work is,” says Reid Ribble, CEO of the National Roofing Contractors Association (NRCA). If a big hail storm goes through Dallas, for example, there won’t be enough local contractor capacity to meet heightened demand. There are legitimate companies that move across the country, providing a boost of labor as needed. Legitimate storm chasers set up shop in the area for several months, meet the local licensing criteria and carry insurance.

But there’s another class of contractor that is unlicensed, uninsured and under the radar. They often walk door to door, collecting deposits or taking control of insurance claims and then disappearing. And it’s those operators that lawmakers and fellow contractors are trying to stop.

Regulations vary

One challenge for consumers and contractors alike is there is no national governance over roofing contractors. Requirements are different in every state and even local jurisdictions — some may require a license, others a registration, and still others have no requirements at all.

In addition to those differences, insurance requirements vary by state. Some require a homeowner to have the work completed within a certain number of months after the damage has occurred, even if some repairs can wait until after contractor demand has died down.

The insurance claims process has shifted, says Steven Badger, partner at Dallas law firm Zelle LLP. Before, if a roof was damaged, the homeowner called the insurance company, an adjuster came out to do an evaluation, the homeowner hired a local contractor and the roof was replaced. With that process, most insurance claims were amicably resolved, he said.

Today, however, illegitimate “storm chasers” inject themselves into the process alongside a rising number of public adjusters, who put claims submissions together, and a growing stock of plaintiff’s lawyers. That means more claims end up in a lawsuit. (Badger says that’s the case for as many as one-third of hail claims in Texas.) Often, insurance companies will settle even the frivolous lawsuits because it’s less expensive than going to trial. Settlements, in turn, can drive up insurance costs. The increase in lawsuits has some insurance companies restricting coverage for hail damage and even leaving certain markets, he said.

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