What Do I Need To Know About Hail Damage To My Roof?
Myths and facts regarding hail damage to roofs.
Myths, Facts and Roofing Hail Claims
Myth: I looked at my roof and didn’t see any problems, or my roofer inspected and there were no problems
Fact: Roofing systems must be physically inspected by someone who has training and experience to determine if there is actual hail damage. Insurance companies send their adjusters to special training so they can properly identify hail damage to property. Unfortunately, there is not much ongoing training for the roofing or home inspection industries.
Myth: I’m not missing any shingles, so I must not have damage.
Fact: Missing shingles are related to wind damage claims and can happen during a hail storm if the winds are high enough. However, hail damage is insidious in nature and may not physically cause leakage for years after a hail storm.
Myth: I only have one year to file my insurance claim.
Fact: Many insurance companies do have a one-year time limit and some even less; however, due to the nature of hail damage, they may pay claims past the deadline. This usually happens if a hail storm is geographically widespread.
Myth: My roof is new, so it’s covered by the manufacturer’s warranty, home builder, or contractor.Fact: Manufacturers specifically name hail as an exclusion to their product warranty, as do home builders and roofing contractors. Newer roofs can actually be more susceptible to hail damage than older roofs due to the time it takes a new roof to cure from exposure to the elements. roofing information | South Carolina