Ignoring Hail or Wind Damage Could Cost You
As a homeowner, you may not be aware of hail damage to your roof following a severe storm. In many cases, hail damage to roof tops cannot be seen from the ground, so the ideal of hail damage may not have crossed your mind. Likewise, wind damage to your shingles may not be visible from the ground. Thus, you should always request a roof inspection after severe weather events to check for signs of damage. Not only will it identify potential costly issues, but it will also give you peace of mind that your home is safe. Nevertheless, many homeowners wait or ignore wind or hail damage which can end up costing them much more in the long run.
Hail and Wind Damage And Your Homeowners Insurance
The roof is your home’s primary defense against the elements. Insurance companies understand how important a fully functional roofing system is, which is one of the reasons why roof damage caused by hailstorms or wind is typically covered by your homeowners policy (after paying your deductible).
It may take years before damage from hail causes you roof to leak. Thus, many homeowners put off getting an inspection or fixing damages. This is never a good idea. Here’s why:
- When hail strikes an asphalt shingle it often knocks off the protective granule coating.
- The sun’s ultraviolet light will weaken the exposed spots and make them brittle. These exposed areas are very susceptible to leaks.
- Once leaks occur, the damage can be extensive due to potential damage from mold, electrical issues, ceiling and wall damage from water, and perhaps even personal property losses.
While hail and wind damage to your roof is probably covered by your homeowners insurance policy, the additional damage caused by waiting to get repairs completed may not be covered. Most insurance companies believe it is the homeowner’s responsibility to maintain their homes and to prevent leaks/damage. If you choose to wait until your roof is leaking to make a claim you could be costing yourself money.
When it comes to your home, it’s always better to be safe than sorry so don’t wait to get a roof inspection after a storm.
Call Roofing Force Today for a No Obligation Roof Inspection