 If you live in an area where storms and thunderstorms are likely to occur, the first thing to suffer is your roof. Whether there is a strong wind, hailstorm or even heavy rainfall, the roofing system in your house is likely to endure damages. In such a case, turning to your insurance company may seem like a valid idea.
But before reaching out to your insurance company, it is important to assess the damages caused by wind and hail. Learn more about the signs of these damages below: 1. Shingles in the Patio One of the most common signs of roof damages caused by wind or hail is the appearance of shingles in the patio. Due to pressure from the strong winds, the sides of the shingles are lifted and torn away. As a result, these torn shingles fly and settle down on the patio. How to Detect This Problem? Match the piece of the shingle with your roof. If there is a missing piece on your roof, then the roof of your home is damaged. 2. Granules, Pebbles or Debris Around the Drain Do you see a number of pebbles or granules near the drain? Then this is a sign of damage caused by wind and hailstorms. As the strong winds collide against the roof, granules are dislodged. Since the gutters are adjacent to the roofing, these granules or pebbles often fall in near or around them. How to Detect This Problem? Walk around the gutter. If you see pebbles, granules or shingles, then there is definitely a problem. 3. Dark Spots Another common sign that indicates roof damage includes dark spotting. As discussed above, granules are displaced due to high-pressure winds. As a result, the missing granule or pebbles leave a dark spot behind, indicating a roof system damage. How to Detect This Problem? Observe the roof after a hailstorm. Obvious dark spots around the edges are a sign of wind or hail damage. Once you have assessed and recorded the damages caused by the wind or hailstorm through pictures, you might think of contacting your insurance company for a claim. However, in several situations, they are unlikely to accept or agree with your assessments. This is when you need to contact a Public Adjuster. Who Is a Public Adjuster? A Public Adjuster (PA) is an authorized professional who represents homeowners in cases where insurance companies refuse their settlement. By assessing the roof damages and making agreements with the insurance company, the PA will help you achieve your insurance claim settlement. Why Should You Hire a Public Adjuster? There are several reasons why you should hire a public adjuster, especially when dealing with roof damages. Some of these reasons include:
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7 Comments
6/18/2019 10:45:48 am
It's good to know that your roof has storm damage if you find matching shingles scattered around your patio and yard. There was a big storm at my house last week, and I found some shingles in my yard afterward. I have no idea where these shingles came from. I'll have to compare them to the shingles on my roof to see if I've had any storm damage. 7/29/2019 10:44:15 am
Mr. Thomas, 7/29/2019 09:26:13 am
My dad wants to detect if our roof is damaged. I like that you mention shingles in the Patio are signs of roof damages caused by wind or hail. Thank you for the information. I'll contact a roof repair if he finds that our roof is damaged. 7/29/2019 10:38:48 am
Jay, We are happy to hear that this article was of help to you. Than you for your feedback. 9/5/2019 07:48:38 am
I'm so glad you said that the dark spots will be obvious and easy to spot after a hail storm. We recently had a huge one, with hail the size of marbles! It was really painful to be out in. Anyway, I was worried about my roof but there aren't any dark spots on it, so I'm sure that it's fine. 10/15/2019 08:39:13 am
I appreciate you helping me to understand how I can spot hail damage on my roof. There was a hailstorm that moved through here recently and I think my house might have been damaged. It would probably be a good idea to contact a roofing contractor and have them inspect my roof. 3/3/2020 11:08:39 am
Thanks for the tip to take pictures of the hail damage on our roof before we consider getting in touch with an insurance company. My husband and I want to hire an insurance mediator to help us get compensation for the damage our roof sustained in a bad hail storm last week. The tips you shared here should be helpful as we prepare to have the damage inspected, so thanks for taking the time! Leave a Reply. |
MESSTX.comThe team of Public Adjusters at Morgan Elite Specialist Services have over 25 years of experience in the insurance industry. All of our adjusters are licensed and bonded by the Department of Insurance and are required to take continuing education courses annually. Archives
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