Old Hail Damage On Roof

Because seamless gutters are frequently feature aluminum or copper construction the signs of hail damage include telltale denting.

Old hail damage on roof. 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. Dents on metal roofs. Large hailstones hitting your roof at a high enough velocity can cause cracking in circular patterns. Hail is a powerful force of nature that can even damage roofs made with concrete tiles if the stones are large enough and wind speeds are high.

A 20 year old roof or older might only result in an insurer reimbursing you for what an older roof is worth at the time of the damage after decades of wear and tear. Even old hail damage may be covered by insurance. Old hail damage to most roofing materials will typically have characteristics that are distinguishable from new hail damage. Gutters are also susceptible to hail damage.

Roofs that are over 20 years old often have limited coverage if any. A deductible is the amount you have to pay toward a loss before your insurance company pays a claim. Homeowners file a claim pay the policy deductible and then the insurer pays to fix the damage. For example old hail damage to asphalt shingles will appear weathered with the asphalt layer having a grayish tint whereas new hail damage will appear fresh with the asphalt layer being a dark black color.

First you should know your enemy. Vehicles left outside aluminum siding asphalt shingles and the gutters along the roof can all be negatively affected by hail. The roof was less than a year old when it was damaged by hail. A damaged 10 year old roof will likely get coverage for a full replacement.

To ensure approval of your claim keep records of repairs before and after photos and reports from inspections. Whether they will pay for damage caused by wind rain or hail is determined by your policy and your roof s age. Hail damage on the roof is specified as a loss in water shedding capability or the reduction of the long term service life of the shingle. Should you find this on your roof address as soon as you can as failure to do so can lead to a leaky roof.

You can buy only actual cash value coverage for wind and hail damage if your roof is too old to qualify for replacement value coverage.