Hail Storm Damage Roofing Repair in Texas
For 17 years, Dane Roofing has been providing expertise on hail storm damage roofing repair in Texas.
Dealing with the aftermath of a hailstorm in Plano, TX, can be daunting, particularly when it comes to roof repairs. Making roof insurance claims in Plano requires an understanding of the process, an awareness of common pitfalls, and knowledge of how to manage the repairs effectively. That’s why we aim to provide homeowners in Plano with information on handling hail damage roof replacement and repairs for a smooth and efficient recovery process.
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 that over one million properties in the entire state were affected last year—18% of all properties!
Minor roof damage is possible once you get to about 1 ¼ inch hailstones. Severe roof damage can come from 1 ½ inch 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 caused the 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, leading to shingle destruction.
The Importance of Prompt Action
Delaying hail storm damage roofing repair in Texas can lead to more severe problems, such as water intrusion, mold growth, and weakened structural integrity. Quick action is important for the health of your roof and for roof insurance claims in Plano. Most insurance policies require prompt damage reporting. Delays can complicate or even invalidate your claim.
Managing Roof Insurance Claims
Making a roof insurance claim in Plano involves several steps, including contacting your insurance provider to report the damage. It is advisable to have a professional roofing contractor present during the insurance adjuster’s inspection. This makes sure that all damages are properly documented and assessed.
Keep in mind that insurance policies vary, and understanding the specifics of your coverage is necessary. Some policies may cover the full cost of repairs, while others may only cover a portion. This depends on factors like the age of your roof and the type of policy you have.
Choosing the Right Roofing Contractor
Selecting a reputable and experienced roofing contractor is central to effective roof replacement and repairs for hail damage. Look for local contractors with a solid track record in Plano and confirm they are licensed and insured.
A trustworthy contractor will provide a detailed estimate, explain the repair process, and help manage insurance claims. Be wary of storm chasers – contractors who take advantage of hailstorm aftermaths without providing quality work.
Repair vs. Replacement
Minor repairs suffice in some cases, but severe hail damage necessitates a full hail-damage roof replacement.
A professional assessment will determine the best course of action. If replacement is recommended, consider it an opportunity to upgrade your roofing materials for better durability and hail resistance.
How Can You Identify Hail Damage on Your Roof?
- Conduct a Visual Search for Damage
Dents may appear on flashing, roof vents, or valleys. The dents themselves indicate the size of the hail.
- Examine the Top of the Roof with a Ladder
Inspect the shingles and ridge cap for dents. The flat surface of the ridge cap is often where hail damage is most noticeable.
- Identify the Types of Hail Damage
How do people determine the correct culprit when comparing hail damage vs. blistering? Blistering will remove asphalt down to the roof, while hail will not.
How Does Hail Impact Your Roof?
The 3 major signs of hail damage are:
- Granules missing from asphalt
- Bruising
- Cracking
If left untreated, the sun will cause the affected spot to grow in size, which can lead to shingle destruction.
- Get a Professional’s Opinion
If there are any questions about the damage being from hail alone, a roofing contractor can come for an inspection.
Reasons to Invest in a Tin Roof
When combined with lead, tin is available as a coating on several soft metal options.
Durability of Tin Roofs
There are several good reasons to invest in a tin roof.
They offer:
- 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 by the Insurance Institute for Business & Home Safety (IBHS) found that tin roofs performed better than any other roof option and were less likely to puncture. It even withstood golf ball-sized hail stones!
Hail Damage Roof Replacement Options in Brisco, TX
The cost to repair hail damage on your roof varies based on the extent of the damage.
Re-roofing Vs. Roof Replacement
An estimate for full hail damage roof replacement will include removing the old shingles. Because old materials must be disposed of, labor and overhead costs will increase.
What about simply installing new shingles over the old ones? The International Residential Code (R907.3) states any home with two or more roofing layers 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 costs $70 – $160 per square foot to purchase and has a lifespan of 15 – 30 years. However, it doesn’t perform 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 upfront. Federal rebates may be available after purchase. 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 protect the home’s structure, including its roof. However, some exceptions exist in areas where extreme weather is more common.
- Do I Have to Pay a Deductible for Hail Damage to My Roof?
Hail deductibles are typically configured as a percentage of the home’s dwelling coverage limit. They 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 ranges from 1% to 10%. For example, a $300,000 home with a 1% deductible would require a $3,000 payment.
- Does a Hail Damage Claim Increase Home Insurance Rates?
When a hailstorm damages a home, these unexpected events aren’t likely to raise home insurance rates directly. They fall under the category of being beyond a homeowner’s control.
However, insurance rates for an entire region may increase if deemed more susceptible to this particular weather pattern. A single hail damage claim multiplied across an entire city will eventually cause insurance companies to reassess their rates.
- How Do I Get Homeowners Insurance to Pay for a New Roof?
When a policy becomes active, most insurance companies send an adjuster. The adjuster will note 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 are the best source to provide this answer, and specifics can be found by logging into the company website.
- How Much Does Insurance Pay for Hail Damage on a Roof?
A claim inspector will need to perform a hail damage roof insurance check to ultimately determine the cost of repair or replacement.
Once the homeowner meets an established deductible, insurance will cover the remainder of the roof and/or structural damage.
- 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, a roof hail damage insurance claim typically needs to be made within a month.
If they are available, before-and-after photos are great. Once a claim is made and an appointment is set, an insurance claim inspector will come out to survey the damage.
Preventative Measures and Maintenance
After repairing or replacing your roof, consider taking preventative measures to reduce future hail damage. Regular maintenance, such as clearing debris, inspecting damages, and addressing minor issues promptly, can prolong the life of your roof. Upgrades like impact-resistant shingles or additional protective layers can also be beneficial.
Dane Roofing and Hail Damage Roof Repair
Kelly Dane and company have operated in Plano, Texas, since 2003. Our staff’s roofing expertise runs deep, which is a big part of why people trust them to repair hail-damaged roofs.
We pride ourselves on:
- Excellent quality
- Exceptional customer service
- Integrity
We proudly serve the Plano, Frisco, Richardson, and Little Elm areas and are recognized as one of the top roofing companies in North Dallas. This distinction was earned through a relentless pursuit of excellence among our staff, starting at the company’s top.
Their staff will come out to accurately determine whether the hail-damaged roof could benefit more from repair or replacement. They will help answer the question, “Is it worth fixing hail damage?”
Hail storm damage roofing repair in Texas as well as replacements require an inclusive approach. It includes understanding the extent of damage, acting promptly, effectively handling insurance claims, and choosing the right contractor for repairs or replacement. Following these steps can help homeowners make sure their roof is repaired efficiently and effectively, safeguarding their homes against future hailstorms.
Remember, prompt action, informed decisions, and professional assistance are key to a smooth recovery process after hail damage. Being prepared and knowledgeable can greatly impact your roof insurance claims in Plano if you’re dealing with minor repairs or a complete roof overhaul. This approach also benefits the overall health of your home.
For a FREE roof inspection call (469) 585-3263.
For a FREE roof inspection call (469) 585-3263.
