How much hail damage to replace a roof? Hail can be one of the worst elements for a roof system. There are some roofing materials that can withstand hail, such as slate or metal. However, no roof will be invulnerable. You may be nervous about a hailstorm and wonder what amount of damage is required to replace your roof.
This is a valid concern, especially when the hail exceeds a certain size. You should pat yourself on your back if you’re pondering the question. It means you’re thinking about the future. All-Star Roofing reviews in the next post the hail damage claim process and the amount of damage required to replace a roof.
There Are Different Types of Hail Damage
You are acutely aware of the damage hail can cause if you live in an area that is prone to it. Insurance companies paid for hail damages between 2000 and 2013. During that time, insurance companies paid out an estimated $9 million in roofing damage claims.
Roof hail damage is not a joke. While many people worry about their cars during a hailstorm, your roof may also take a beating. How does hail damage roofs? Let’s first look at the most common types of hail damage.
Impact Damage
Hailstones can cause damage that may not be immediately apparent. Impact damage is the main cause of these types of damage. Even small hailstones will dent your roof shingles. Minor dents can compromise the structural integrity and make the roof susceptible to leaks.
Puncture Damage
Softball-sized hailstones are large enough and heavy enough in severe hailstorms to puncture your roof. This is possible only in severe hailstorms. It usually happens only to older roofs.
Melting Hailstones
Melting hailstones are a major concern for owners of flat roofs, but they can also affect pitched roofs. If hailstones are left to settle and rest after a storm, they will melt under the sun.
The melted hail can cause roof water to pool, which is not a good idea. These little ponds of water can find their way into your roof decking and cause mold to grow, or worse, ruin the rafters.
Gutter Damage
Hailstones in the gutter can be a major problem for homeowners following a storm. Hailstones are not only dense but can also overload gutters once they melt.
When your gutters fail, they can compromise your roof’s leading row and make the whole system vulnerable.
Factors That Influence Full Roof Replacement Claims
Each insurance company and adjuster inspects your roof in a different way. Your roof is affected by a variety of factors. When an adjuster examines your roof, they will consider:
Age of the Roof
The age of the roof is one of the most important factors that insurance adjusters take into consideration.
Roof Material
Some roofing materials can prevent hail damage, as we have mentioned in the beginning of this article. Slate is one of your most durable roofing materials. The adjuster will take into account the roofing material to decide whether or not to replace your roof.
Missing Shingles
Your roof’s condition is also important. Once an adjuster climbs up to your roof, they will check for missing shingles.
Granule Loss
Asphalt shingles are used in most American homes. Asphalt shingles have a stone granule layer on top that protects the shingle as well as your roof. In a hailstorm, the granules may be knocked off and affect the effectiveness of the shingle.
An adjuster will look for granules that have fallen off the shingles or granules that are displaced on the ground near the roof perimeter.
Roof Repair vs. Roof Replacement After Hail Damage
Next, an adjuster will determine whether the damage is severe enough to warrant a complete replacement or if it can be repaired. The adjuster may recommend repairs if the hail damage is mild.
We define moderate damage as one or two marks of impact on each side of your roof. The adjuster may recommend a roof repair if there are just a few impact marks on each side.
What are the reasons for a roof replacement following a hailstorm? An adjuster will first test the 10′ x10′ square of your roof. The adjuster will then inspect the roofing to look for any hail damage. If the adjuster discovers 7-10 of these impact marks, they will recommend a roof replacement.
It’s important to keep in mind that each insurance company, policy and adjuster have different guidelines. You may have different criteria for roof replacements depending on your insurance policy, company and where you live.
Final Thoughts
Insurance adjusters will have different opinions on the amount of hail damage that needs to be repaired. This depends on many factors, including roof age, material, and climate. The adjuster may recommend repairs instead of replacements if they believe the damage is minor enough to avoid replacement. If you’re worried about hail damage, contact a professional roofing contractor.
Trust All Star Roofing for expert hail damage assessment and protection. Our team ensures transparent guidance and reliable solutions, whether it’s minor repairs or a full roof replacement. Safeguard your home with us. Contact now to secure your roofing resilience.
Other Services We Offer
- ROOF INSTALLATION
- RE-ROOFING
- SHINGLE ROOFS
- TILE ROOFING
- FLAT ROOFING
- METAL ROOFING
- EMERGENCY ROOF REPAIR
- HURRICANE HELP