If a hail storm has just come through your area, one of the first things you need to do when it is safe enough for you to go outside is check your roof for hail damage. If your roof has hail damage, you will want to file a claim with your homeowner’s insurance company right away so that they can process your claim and fix your roof. Here is what you need to look for to determine whether your roof actually has hail damage before you contact your insurance company.
#1: Black Spots on Your Roof
If you have shingles on your roof, one of the signs that they have been damaged are round black spots dotting your entire roof. These spots will look round because the hail hit the shingle hard enough to wear away the top layer of the shingles and expose the bottom layer of your shingles. It will kind of look like your roof has chickenpox all over it.
#2: Worn-Off Granules
Hail is really strong and can cause all different types of damage to your roof. One of the things that hail does is rub granules off of your roof tiles. This accelerates the wear process of the tiles on your roof and shortens the overall life of your roof. Once the granules are gone, the top layer of protection is gone from your roof and other damage will soon follow. This can be one of the hardest signs of hail damage to spot, but it is also one of the most important things to look for because it can accelerate normal wear and tear damage to your roof that your insurance company will not cover.
To see whether the granules are worn out, you may need to get up on your roof. Look at the tiles and see whether you can see loose granules. Also, take a peek inside of your gutters. If the hail storm loosened the granules on your roof, you should see lots of granules washed off and in your gutters as well.
#3: Soft Spots
Finally, if you get up on your roof and inspect it, be sure to touch the tile and see how it feels. When you touch the shingles on your roof, you may be able to feel the indention on some of your shingles. When you touch the roof, the shingles may also feel soft and like a sponge.
If you spot the three signs of wear on your roof following a hail storm, the most likely culprit for the damage that you see is the storm that just passed. When you spot one or more of the signs of hail damage above, it is a smart idea to file a homeowner’s insurance claim so that your roof can be repaired. If you fail to file a claim, the damage could accelerate normal wear and tear and end up costing you even more when the roof needs to be repaired, with the cost coming out of your pocket.
Visit sites like http://www.denverroofing.net/ to find roofing contractors near you.