Hailstorm damage roofing company in Denver

Hail damage can affect a roof in various ways. On a roof with asphalt shingles, hail can create a bruise that looks like an indentation or crack. If the bruise damages the underside of the shingle, it can allow water inside your home. Similarly, concrete or clay tiles may crack or separate, leaving exposed entry points for rain and snow.

If your roof has hail damage from a recent storm, it may be worth filing an insurance claim. We recommend checking whether your policy covers total replacement cost or if your insurance coverage will reduce payment based on the roof’s age and condition. With a replacement cost value policy, your insurance company will cover the total roof replacement cost, less your deductible. No matter the insurance company or policy, homeowners will still bear some financial liability towards a new roof, namely as the deductible.

Each insurance company will likely have a different time limit to file a roof damage insurance claim. For example, State Farm allows policyholders to file a roof claim for up to two years. By contrast, most insurance companies such as Allstate, Travelers, and USAA limit the filing time to one year. Several others have no timeline, but most of these companies do not pay full replacement cost value (RCV) but rather actual cash value (ACV), which reduces payment based on the roof’s age and condition.

Insurance companies have different requirements for determining complete roof replacement, depending on the type of roofing materials. For example, an asphalt shingle roof with a 30-year rating may be approved with 5-7 hail impact marks or “hits” in a test square of 100 square feet measurement for each elevation. Another insurance company may require 8-12 for the same test square inspection. A discontinued shingle such as a T-Lock will require only a shingle hail hit on the entire roof since no repair is possible.

A roof warranty will not cover new storm damage but does cover the current roof installation. A warranty focuses on two components, labor, and materials. A labor warranty will protect against any leaks due to craftsmanship defects as the roofing company acts as the installer of a manufacturer’s roofing materials. The material warranty will cover for any manufacturing defect but not cover damage to the roof caused by lightning, extreme wind, hurricane, tornado, hailstorm, the impact of foreign objects, or other cracking to the roof deck due to settlement, distortion, or failure of the roof deck, walls or foundation of the building, or damage done by other parties.

Ignoring repair or replacement to a hail damaged roof can create water leaks inside a home or business. Mold grows in places with a lot of moisture, such as around leaks in roofs. Ignoring a hail damaged roof can cause severe structural damage or collapse and decreased property value.