Understanding Hail Damage and Roofing Inspections: A Guide for Homeowners

When a hailstorm hits, you might find yourself wondering if your roof has sustained damage and what steps you should take next. Spotting hail damage isn’t always straightforward, and even experienced roofers can find it challenging. At Spartan StormShield, our goal is to help homeowners in Northeast Ohio understand how hail can damage a roof, when you need a roof inspection, and when to file an insurance claim.

The Complexity of Identifying Hail Damage in Ohio

Hail damage is a tricky thing to pinpoint, especially in the Cleveland and Akron areas, where the hail isn’t as severe as in states like Texas or Minnesota.

In Ohio, hail sizes can vary, but even when hailstones reach up to two inches in diameter, they may not always cause visible damage to your roof. Forensic roofing specialists, those who focus on the investigation of storm damage, often approach hail damage differently than traditional roofers.

Understanding Roofing Materials and Their Vulnerabilities

One key factor in identifying hail damage is understanding the nature of the materials on your roof. For instance, asphalt shingles may show different signs of damage compared to other roofing materials. Knowing how these materials are manufactured and how they typically wear over time is crucial. It’s not just about spotting dents; it’s about seeing if the granules of the shingles have been displaced or if there are patterns in the damage that align with a hailstorm.

Inspecting Ridge Caps and Soft Metals for Hail Damage

Why Ridge Caps Are the First Place to Check

One of the first things a roofing specialist will check is the ridge cap, which is the topmost point of your roof. This area is particularly vulnerable to hail damage. If there’s no damage to the ridge cap but other parts of the roof show signs of wear, it could be due to factors other than hail, such as blistering or normal wear and tear.

Assessing Soft Metals for Signs of Hail Damage

Another crucial aspect of a hail damage inspection involves checking the “soft metals” on your roof, like aluminum flashing or gutters. These metals are more susceptible to dents from hail. If a roofer finds no dents in the soft metals but sees what appear to be hail marks on the shingles, the damage is likely due to something else.

Checking Other Areas Around the House for Damage

Hail damage isn’t limited to the roof. There are other areas around your home where signs of hail damage might be visible:

Gutters and Downspouts: Inspect your gutters and downspouts for dents or signs of impact. These areas can show clear evidence of hail due to their material and positioning.
Siding and Window Sills: Check the siding of your home, especially on the sides that face the direction of the storm. Look for cracks, chips, or dents. Window sills and window casings can also show signs of impact.
Outdoor Air Conditioning Units: The fins of an air conditioning unit can be easily dented by hail, making this another place to check.
Fences and Decks: Wooden fences and decks might have dents, chips, or splinters caused by hailstones. These areas are often overlooked but can provide clear evidence of hail impact.
Mailboxes and Cars: Dents in your mailbox or car provide a strong indicator that the hail was large enough to potentially damage your roof. In this case, it can help to take time and date-stamped photos of damage to your car and mailbox.

Why Documentation Is Key

The Role of Documentation in Hail Damage Claims

When you suspect hail damage, it’s vital to have your roof inspected before filing an insurance claim, especially in Ohio. Insurance agents often recommend having a trusted roofing specialist assess the damage first.

Many homeowners don’t realize that once you file a claim, it’s permanent, even if the damage isn’t severe enough to warrant a replacement. Ultimately, this can affect your premium.

How to Properly Document Roof Damage

A thorough inspection should include detailed photographs of the roof and any visible damage. This documentation is crucial, especially if there’s a discrepancy later on between the findings of the roofing specialist and the insurance adjuster. Having time-stamped photos can serve as proof that the damage existed before the adjuster arrived, which can be critical in disputes over coverage.

Working with Your Insurance Company

Steps to Take After Suspecting Hail Damage

If you believe your roof has sustained hail damage, the sequence of events usually goes like this:

1. Roofing Inspection: Have a roofing specialist inspect your roof and document any damage with photographs.

2. Insurance Consultation: Before filing a claim, consult with your insurance agent. They might suggest having the roof inspected by a professional first to avoid unnecessary claims.

3. Filing the Claim: If the damage is significant, your roofer can help guide you through the process of filing a claim with your insurance company.4. Adjuster Inspection: An insurance adjuster will inspect the roof to determine the extent of the damage and whether it warrants a roof replacement.

Be Prepared and Informed

Understanding hail damage and the inspection process can save you time, money, and stress. By working with a knowledgeable roofing specialist and carefully documenting any damage, you can ensure that your roof is properly evaluated and that you receive the appropriate compensation from your insurance company. Remember, not all hailstorms will cause damage, but when they do, being prepared and informed is the best defense.

At Spartan StormShield, we specialize in professional roofing inspections and repairs to keep your home protected. If you suspect hail damage or want a thorough assessment, don’t wait until the problem worsens. Contact us today for a comprehensive roof inspection and expert guidance on navigating the insurance process. Let our experienced team provide the solutions you need to restore your roof’s integrity and safeguard your home.

Ask the Expert: Spotting Hail Damage