Hail Damage Roof Claims: What Homeowners Need to Know -

Introduction To Roofing Claims

In this guide, we’ll break down everything you need to know about how to file a roof claim. By the end of this post, you’ll feel confident about how to file a claim and protecting your home. Let’s dive in!

Common Hail Damage Terms Every Homeowner Should Know

Understanding the language used in roofing and insurance claims is key to a successful process. Below are 20 essential terms that will help you navigate your hail-damaged roof claim.

1. Hail Impact Marks – The visible indentations or depressions on your roof caused by hailstones.
  - - Tip: These can vary in size, and even small marks can indicate deeper damage to roofing materials. You can learn more from unbiased engineers over at HAAG Engineering HERE

1. Granule Loss – The protective layer of granules on asphalt shingles can be knocked off by hail, exposing the underlying material to weather damage.
  - - Why It Matters: Granule loss can shorten the lifespan of your roof.

1. Soft Metal Damage – Hail often leaves dents in soft metals like gutters, vents, and flashing.
  - - Pro Tip: Damage to these areas is a good indicator of hail impact, even if roof damage isn’t immediately visible.

1. Bruised Shingles – A bruise occurs when hail hits a shingle hard enough to leave a soft spot.
  - - Inspection Tip: Gently press on the shingle; if it feels soft or spongy, it’s likely bruised.

1. Splitting – Hail can cause cracks or splits in shingles, particularly older or brittle roofs.
  - - Important Note: Splits can lead to water infiltration and you may need to file a roof claim sooner than anticipated.

1. Wind-Driven Hail – When strong winds accompany hail, the speed and impact force increase, causing more severe damage.
  - - Claim Tip: Document wind speeds if possible; it can strengthen your claim.

1. Hailstone Size Categories – Hailstones are categorized by size: pea (0.25”), marble (0.5”), dime (0.75”), nickel (0.88”), quarter (1”), and larger.
  - - Why It Matters: Insurance companies often base damage thresholds on hail size.

1. Actual Cash Value (ACV) – The depreciated value of your roof, considering its age and condition.
  - - Claim Tip: Some policies only cover ACV, not replacement costs.Contact us to see which you have.

1. Replacement Cost Value (RCV) – The cost to replace your roof with a new one of similar quality without deducting depreciation.
  - - Pro Tip: Make sure your policy covers RCV for full protection, or be ready to pay for what is not covered.

1. Depreciation – The reduction in value of your roof over time due to age, wear, and tear.

- Insurance Insight: Depreciation is deducted from your payout unless you have RCV coverage.

1. Deductible – The amount you must pay out-of-pocket before your insurance kicks in.

- Homeowner Tip: Know your deductible before filing a claim to avoid surprises, if you want help figuring out how much you’ll have to pay, contact us today!

1. Adjuster – The insurance representative who inspects your property and determines the extent of damage.

- Pro Tip: Be present during the inspection and have an experienced professional there to advocate for you.

1. Public Adjuster – An independent adjuster hired by the homeowner to negotiate with the insurance company on their behalf.

- Why Hire One? They can help maximize your roof claim payout and get you the most amount of work done.

1. Scope of Work – The detailed list of repairs or replacements required to fix your roof.

- Pro Tip: Ensure the scope of work includes all necessary repairs.

1. Policy Exclusions – Specific damages or circumstances not covered by your insurance policy.

- Important Note: Always review your policy for exclusions before filing a roof claim.

1. Underlayment – The protective layer beneath your shingles that provides additional water resistance.

- Inspection Tip: Hail can damage underlayment, leading to leaks.

1. Flashing – The metal strips used to seal roof edges, valleys, and joints.

- Claim Tip: Hail damage to flashing can cause leaks and should be included in your roof claim.

1. Mitigation – Steps taken to prevent further damage after a storm.

- Homeowner Responsibility: Failure to mitigate can result in roof claim denial.

1. Supplemental Claim – An additional claim filed if more damage is found after the initial inspection.

- Pro Tip: Keep detailed records of all damage and repairs.

1. Claim Denial – When your insurance company refuses to cover your claim.

- What to Do: It might be time to hire a public adjuster to help at this point, contact a pro today.

How to File a Hail Damage Roof Claim

1. Document the Damage – Take clear photos of all visible damage, including soft metals, shingles, and gutters.

1. Contact Your Insurance Company – Report the damage as soon as possible and schedule an adjuster inspection.

1. Hire a Roofing Contractor – Choose a reputable roofer to inspect your roof and provide an estimate.

1. Be Present During the Inspection – Ensure your roofer is there to advocate for a fair assessment.

1. Review the Estimate – Make sure the scope of work covers all necessary repairs.

1. File a Supplemental Claim if Needed – If additional damage is found, don’t hesitate to file a supplemental claim.

Common Mistakes Homeowners Make When Filing Hail Damage Claims

- Waiting too long to file a claim

- Failing to document the damage

- Not being present during the inspection

- Accepting the first offer from the insurance company

- Not hiring a roofing contractor to assist with the process

Why You Should Work With Us

At Make It Happen Roofing, we understand that dealing with hail damage and filing an insurance claim can be stressful and confusing. You deserve a trusted partner who will guide you every step of the way, from inspection to final repair. Our team has helped countless homeowners navigate the claims process and secure the compensation they need to protect their homes.

Don’t wait until it’s too late. Schedule your free roof inspection and insurance overview today, and let us help you take the first step toward peace of mind. We’re here to Make It Happen!

Contact us today to get started!

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