Hail Damage Roof Insurance

Hail damage roof insurance is the most common type of roof claim that is covered under most insurance policies. What is hail damage roof insurance and how do I get my insurance company to cover it? First, let's take a closer look at hail damage roof insurance and define what constitutes a claim.

Hail occurs in severe storms across the country on an almost daily basis. Updrafts along with freezing temperatures in storm clouds cause layer upon layer of water to freeze together and build up into a large ball of ice. Once these updrafts slow down or the hail becomes too heavy for the updrafts to hold up the hail travels towards earth and impacts homes, vehicles, and personal property. These hail stones can be very small or very large. The largest recorded hail stone was 8 inches in diameter and occurred in Vivian, South Dakota on July 23, 2010. It weighed in at a whopping 1.94 pounds!! This size of hail caused extensive damage to the homes in this area. However, hail doesn't need to be this large to cause massive damage. Small hail can cause damage to roofs, soft metals, and siding that many homeowners may not notice or see as enough damage for a hail damage roof insurance claim. This “small hail” can remove granules on your shingles, fracture shingles, dent soft metals, and or break / dent siding. These subtle damages to roofing lessen the life expectancy of the roofing and could cause leaking into the home if the damage occurs in the right spot.

In the event you experienced even a small hail event, please reach out to us for a free home inspection to make sure your homes roof, siding, and soft metals are inspected for potential damage.