Old Hail Damage Roof

A damaged 10 year old roof will likely get coverage for a full replacement.

Old hail damage roof.

Wind and hail damage. The amount and type of damage hail causes on roofs depends on a variety of factors. Even seemingly minor hail storms can cause significant problems that you might not notice until the damage increases over time and creates openings that may be harder for a roof leak repair or even require a replacement roof. To combat this many home insurers have implemented different coverage levels.

If you live in an area where roof damage from windstorms and hail is prevalent or possible the decision you make about this coverage could mean the difference between paying out just your homeowners policy deductible or your deductible plus depreciation costs. A deductible is the amount you have to pay toward a loss before your insurance company pays a claim. Whether they will pay for damage caused by wind rain or hail is determined by your policy and your roof s age. Hail damage on the roof is specified as a loss in water shedding capability or the reduction of the long term service life of the shingle.

Dents on metal roofs. In many states usually where hail is less frequent a standard homeowners policy includes hail damage to a roof as part of your protection coverage. Home insurance policies usually cover roof damage caused by fire vandalism and acts of god such as hurricanes and tornadoes. Homeowners file a claim pay the policy deductible and then the insurer pays to fix the damage.

Contact a professional roofing company for a roof inspection. Old hail damage to most roofing materials will typically have characteristics that are distinguishable from new hail damage. Even old hail damage may be covered by insurance. Home insurance companies in past years have been walloped by numerous and expensive roof claims.

A roof that has been poorly maintained has recently sustained other types of damage or is simply past its prime has a higher risk of being harmed by hail than its newer and better maintained counterparts. This difference could amount to thousands of dollars depending on the age of your roof. There is the weight of heavy snow and hail or ice storms. For example old hail damage to asphalt shingles will appear weathered with the asphalt layer having a grayish tint whereas new hail damage will appear fresh with the asphalt layer being a dark black color.

Most all perils homeowners insurance policies cover roof replacement if the damage is the result of an act of nature.