Hail Damage

Hail Damage

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Hail Damage on Residential Roofs

Hailstones can be as large as a small melon and even though such sizes are relatively rare, even the smaller ones can do a large amount of damage to your roof. Our Calgary roofers are ready to help with all hail damage roof repairs and roof replacements.

Residential roof damage is common after a hailstorm. It will shatter clay tiles, crack and split standard tiles, and dent metal rooftops if the hailstone are large enough. Unless you happen to be a roofing contractor, a hail storm can cause enough roof damage to necessitate a professional repair job.

The damage isn’t limited to the roof either. Hail, like rain, doesn’t always fall straight down and your siding may get damaged as well, including your gutters, vinyl (if applicable), and any exposed paint. It can do a number on your house for a certainty, but the roof will absorb the brunt of the damage.

What Kind of Damage Can Hail Do to Your Roof?

There’s a lot more to a roof than just the tiles, and if hail gets past the tiles, which is the first line of defense, the damage only increases exponentially. That’s not to mention the after effects of your roof beneath the tiles exposed to additional water and wind damage.

  • Dislodged Granules From Asphalt Shingles
  • Vinyl Damage Such as Cracking and Splitting
  • Bruised Shingle Underlayment
  • Damage to Ridge Caps and Plastic Roof Vents
  • Complete Removal of Shingles and Tiles
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The damage doesn’t end after the storm has passed, the financial aspect rears its ugly head and the damage to your wallet begins. For instance, does your insurance cover hail damage? For the most part, it will. However, it also may depend on the fine print in your policy and your geographical location.

The first thing that you will have to do is ensure that your home insurance policy will cover the damage. Then, it’s a matter of shopping for a reputable roofing contractor that can come out right away, complete a full inspection of the damage, then providing you with a repair estimate and time-frame.

Most insurance companies will give you up to a year to file a claim over roof damage that is caused by hail. You could have hail damage from a small storm without noticing the results for a few months so its always important to inspect your roof and siding after a storm.

As aforementioned, exposure can be every bit as damaging as the hail. Over time, the damaged shingles may allow water to make its way underneath the protective surface, where it can then make its way into the attic, saturating your insulation and eventually damaging the sheetrock beneath.

Water damage and mold is the kind of problem that can get expensive quickly and it’s also why there’s a little bit of a cushion in terms of time allowances from insurance companies. Be aware, not all insurance companies are willing to give you an entire year to file, or will cover the full cost of repair.

What Happens After Your Claim is Filed?

Assuming that the insurance claim is approved, then it’s time to go shopping for a roofing contractor. It’s important to do your homework when it comes to hiring a contractor because some are going to be more open and straightforward with you than others.

Many roofing contractors offer a free inspection. They will come out, do a full assessment of the property and then quote you a price to repair the damage associated with your roof and their expertise.

This includes accessing your attic to ascertain if there is any water damage, especially water damage that has made its way farther down the roof. Most roofing contractors in Calgary will be able to tell you the cause of secondary and other associated damages.

Roofing inspectors are similar to a detective working a homicide, where every small event leads to the next and you have a full and accurate picture of how things degraded from the moment of the first hail impact.

Some roofing contractors also include drone inspections in the quote. This is especially true if there is a high level of damage to the roof as walking up there may no longer be safe.

What Happens If You Ignore Hail Damage?

Some of these factors have been mentioned above, however, it can get a whole lot worse and it will likely do so in a hurry. Even if it’s a very small, almost insignificant hail storm, you should at the very least inspect the attic for any signs of water. While in the attic, check for any rodent waste or rodent damage, if found, hire a Calgary pest control company right away as this could lead to health hazards.

Ignoring Hail Damage - Don't Do It!

  • Water Damage
  • Mold
  • Saturated and Irreparable Insulation
  • Electrical Damage
  • Rotting Wood

Water damage is the first and most obvious factor after a hailstorm has passed through. If you ever take the time to study water, it’s a truly fascinating liquid property and the things that it can do with only the tiniest avenue of approach will astound you.

Mold needs two things to grow, moisture and warmth. It doesn’t take long for mold to set up shop wherever there is moisture within the home and once it does, it can run rampant very quickly. It’s especially troublesome if black mold develops, as it can cause serious, harmful health effects. When dealing with mold, it’s good to hire a cleaning company that specializes in mold clean up.

Depending on your insulation, if some of it becomes saturated or wet, it must to be tossed out and replaced immediately. The same goes for rotting wood and if the rot takes place on a load-bearing structure, you’re costs are going to skyrocket.

Electrical damage is also something that you should be concerned about as water and electricity don’t get along very well in the presence of humans.

Preventing Hail Damage

Preventing hail damage is something you can only do with certain materials used to construct the roof. You can certainly make modifications to your existing home, however, that can get costly in a hurry.

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Don't

Ignore

Hail Damage!

We can’t always choose where we live. Affordability, location of family, and cost of living are serious factors. However, it’s generally better to stay away from provinces where hailstorms are more common.

Everything else is all about design. Sharper angled rooftops deflect rather than absorb the punishing impacts of hail. While asphalt, wood, and metal roofing materials are far more durable than your standard roofing options.

Metal, wood, and asphalt can dent if the hail is falling from extreme heights and larger size. However, denting is a whole lot better than cracking, splitting, shattering, or outright removal caused by damaging hail.

If you are having your roof repaired and insurance is covering costs for hail damage, it is worth considering the price of raising the roof angles and going with different materials. At the very least, it’s something that you should discuss with your roofing contractor to be more proactive towards the next hailstorm.

Final Thoughts

Hail and high winds are responsible for billions of dollars in damage to homes in Canada and the U.S. each year. In fact, up to 40% of all insurance claims are filed over roof damage. While hail doesn’t make up the entire 40%, it’s certainly a part of it.

If your house is damaged in a hailstorm, it’s important to get your paperwork in order and call insurance right away. Chances are your neighbors also have damage, being first in line for a roof inspector is key to having the repairs completed in a timely manor. Neglecting to do so may cost you far more in the future.

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