How To Simulate Hail Damage On A Roof

Identifying hail damage on your belongings such as patio furniture or your car is relatively straightforward.

How to simulate hail damage on a roof.

When filing an insurance claim it is important to have evidence that the damage you are claiming is new. You can expect a bigger payout if a storm destroys your 5 year old roof than if your roof was already pushing 25 years at the time of the damage. However determining whether your roof has sustained damage from a hailstorm may be a little more difficult. If your roof contains one layer of common asphalt shingles it usually takes a 1 or above diameter hail stone to cause damage roof hail damage.

Even seemingly minor hail storms can cause significant problems that you might not notice until the damage increases over time and creates openings that may be harder for a roof leak repair or even require a replacement roof. The round dings in metal are obvious signs of hail damage. A roof that has been poorly maintained has recently sustained other types of damage or is simply past its prime has a higher risk of being harmed by hail than its newer and better maintained counterparts. Home insurance companies in past years have been walloped by numerous and expensive roof claims.

One factor that will come into play is the expected life of your roof. Roofs with multiple shingle layers may be damaged by smaller hail stones due to a softer support surface directly under the top shingle layer. My question is about a formula amica used to determined the amount of hail damage in order to replace the roof the adjuster wrote to me saying in his letter the roof replacement is determined by the amount of damage on each slope and there was one minor hail strike damage found on the front slope so the replacement roof needs at least 8 hail strikes to any 100 square foot test area based on. To combat this many home insurers have implemented different coverage levels.