What to do after a Hail Storm
Jul 07, 2017
What to do after a hail storm
Hail, strong winds and heavy rain have made their way through your neighborhood and damage to your home and other buildings is likely. What do you do now?
How to identify hail damage
First, do a full inspection of your property. Do not go on your roof if you are not comfortable doing so. A visual inspection from the ground is a good place to start; then make a call to your insurance agent if you suspect damage.
- Roof Hail Damage
Rooftops are the most commonly damaged part of a home or business in hailstorms. Some damage is easier to spot than others but it is important that all damage on your roof is repaired in a timely manner to avoid further damages to the structure and interior of your building(s).
A building owner can perform their own inspection; here is what to look for:
- Hail damage on an asphalt shingle roof may look like a “bruise”, the damaged area appearing darker than other parts of the roof. More severe damage can actually look like a chunk has been removed from a shingle.
- A metal roof with damage from hail will appear dented and/or scratched.
- Tile, slate and wood roofs that have hail damage may have cracks or chips in the material.
An inspection from a roofing professional is always recommended. Be sure to choose a reputable, local contractor that will be there to back up their work. The “storm chasers” are good at offering “deals” but are nowhere to be found if their work fails and you are left having to pay for a second repair out of your pocket.
- Siding Damage
Siding damage often results from wind-driven hail. The damage will depend on the kind of siding you have on your building, but the three most common signs of damage to siding are cracking, chipping and holes.
- Window Damage
Window damage is usually more obvious to identify with broken or cracked glass.
Wind-driven hail can also cause damage to the seals. Contact your insurance company if you suspect any property damage caused by storms.
- Exterior Appliances
AC / HVAC units and outdoor generators are sometimes forgotten after severe weather. Damages to these units could cause them to work less efficiently and lead to a shorter life span.
How to record and report storm damage
Your insurance company will need specific details like the date and time of the storm and when the damages occurred. If possible, take pictures or video of any hail and area storm damages while it is happening or immediately following. It is also a good idea to photograph any property damages as you are conducting your inspection.
To file an insurance claim for roof hail damage:
- Locate your homeowner’s insurance policy. Make a note of your insurance policy number and deductible.
- Organize your facts and records: insurance policy number, date/time of loss, hail size (if known), photos, videos, damage items.
- Call your homeowner’s insurance claim number with the necessary information that is requested.
- You will be given a claim number by your insurer.
- An insurance claims examiner will assign a claims adjuster to make an official property inspection. He or she will then write a report on the findings, prepare an estimate for repairs or to replace the roof (assuming damage was found), then forward the report to your claim examiner. The claim examiner will review the report and make a decision on your claim.
- Ledegar Roofing will work directly with your insurance company to make the process of having your roof repaired or replaced easier.
Ledegar Roofing has been providing quality, expert roofing services since 1908.