For 17 years, Dane Roofing has been providing expertise on roof hail damage to residents of Plano, Texas and the surrounding communities.
For homeowners, hailstorms can raise various concerns, especially the morning after while inspecting the damage.
But this shouldn’t be the case.
What Size Hail will Damage Your Roof?
In Plano, Texas roof hail damage causes various problems for homeowners after a bad hailstorm. Overall, it’s estimated the entire state had over one million properties affected last year. This amounts to 18% of all properties!
What size hail will damage a roof?
Once you get to about 1 ¼ inch hailstones, minor damage to roofs is possible. Severe roof damage can come from 1 ½ inch size hail, about the size of a walnut.
This does depend on the roof style, with metal being the most resistant to serious damage.
Signs of Hail Damage on Your Roof
To an untrained eye, it can be hard to diagnose what was truly behind roof damage. When hail impacts shingles, tearing and puncturing are both possibilities. The most common sign is missing granules from the surface. If left untreated, the sun will cause the affected spot to grow in size which leads to shingle destruction.
What does roof damage from hail look like?
1. Conduct a Visual Search for Damage
Dents may show up on flashing, roof vents, or valleys. The size of the hail will be indicated by the dents themselves.
2. Examine the Top of the Roof with a Ladder
Check the shingles and ridge cap for dents. Because it is flat, the most damage will likely be present on this area.
3. Identify the Types of Hail Damage
When comparing hail damage vs. blistering, how do people determine the correct culprit? Blistering will remove asphalt down to the roof, while hail will not.
What does hail do to a roof?
The 3 major signs of hail damage are:
- Granules missing from asphalt
If left untreated, the sun will cause the affected spot to grow in size which leads to shingle destruction.
4. Get a Professional’s Opinion
If there’s any questions on the damage being from hail alone, a roofing contractor can come out for an inspection.
Reasons to Invest in a Tin Roof
Tin, when combined with lead, is available as a coating on several soft metal options.
Durability of Tin Roofs
There a number of good reasons to invest in a tin roof.
- Superior protection from hail
- Resistance to freezing and thawing cycles
- 40-50-year maintenance-free service life
- Cracking and breaking are not an issue
Studies conducted by the Insurance Institute for Business & Home Safety (IBHS) found that tin roofs performed better than any other roof option and was less likely to puncture. It even withstood golf ball-sized hail stones!
Hail Damage Roof Repair Options
How much does it cost to repair hail damage to my roof?
Pricing will vary depending on the extent of the damage.
Re-roofing Vs. Roof Replacement
An estimate for full replacement will include removing the old shingles. Labor and overhead costs will increase because of the need for the disposal of old materials.
What about simply installing new shingles over the old ones? The International Residential Code (R907.3) states any home with two or more layers of roofing must remove them and start over. Re-roofing is cheaper, but this code may affect the ultimate decision.
Low Cost Roofing Option
Asphalt is a low cost material. It ranges from $70 – $160 per square to purchase and has a lifespan of 15 – 30 years. One thing to consider is it doesn’t do as well in heat, which is a major factor here in Texas.
The next best option when looking at affordability is metal. The extra durability of 50+ years is a big selling point for this material, even though the cost will be higher up front. Potential federal rebates may be available after purchase. Additionally, with a metal roof you may see a decrease in cooling expenses.
Insurance and Hail Damage Claims
Generally, the dwelling coverage sections of homeowner’s insurance protects the structure of the home, including its roof. But there are some exceptions in areas where extreme weather is more common.
1. Do I Have to Pay a Deductible for Hail Damage to My Roof?
Typically configured as a percentage of the home’s dwelling coverage limit, hail deductibles must be met before insurance will cover the rest of the work. These are common in tornado-prone states like Texas.
The cost of hail damage roof repair will vary depending on the percentage selected, which will range from 1% – 10%. For example, a $300,000 home with a 1% deductible would require a $3,000 payment.
2. Does a Hail Damage Claim Increase Home Insurance Rates?
When a home is damaged by a hailstorm, these unexpected events aren’t likely to raise home insurance rates directly. They fall under the category of being beyond a homeowner’s control.
But insurance rates for an entire region may increase if it’s deemed more susceptible to this particular weather pattern. A single hail damage claim multiplied across an entire city is bound to eventually cause insurance companies to reassess their rates.
3. How Do I Get Homeowners Insurance to Pay for a New Roof?
When a policy becomes active, most insurance companies will send out an adjuster. They’ll make a special note of the roof’s age and quality.
Older roofs (15 – 20 years) may only be covered at their actual cash value. Those older than 20 years will be required to pass an inspection.
Insurance companies themselves are the best source to provide this answer, and specifics can be found by logging into the company website.
4. How Much Does Insurance Pay for Hail Damage on a Roof?
A hail damage roof insurance check will need to be performed by a claim inspector to ultimately determine the cost of repair or replacement.
Once an established deductible has been met by the homeowner, insurance will cover the remainder of the roof and/or structural damage.
5. How Long Do You Have to Report Hail Damage to Your Roof?
Temporary repair work by a licensed contractor should be conducted as soon as possible to prevent any complications with the claim.
Although this timeframe will vary across insurance providers, typically a roof hail damage insurance claim will need to be made within a month.
If they are available, before and after photos are great. Once a claim is made and an appointment set, an insurance claim inspector will come out to survey the damage.
Dane Roofing and Hail Damage Roof Repair
Kelly Dane and his company have been operating in Plano, Texas since 2003. Roofing expertise runs deep among his staff and is a big part of the reason people trust them for repairing hail damaged roofs.
They pride themselves on:
- Excellent quality
- Exceptional customer service
Proudly serving the Dallas/Ft. Worth area, they are known as one of the best Dallas roofing companies. This distinction was earned through a relentless pursuit of excellence among their staff, and it starts at the top of the company.
Their staff will come out to determine with accuracy whether the hail damaged roof could benefit more from repair or replacement. They will help answer the question, “Is it worth it to fix hail damage?”
For a FREE roof inspection call 469-585-3263.