Hail Related Insurance Hail Damage Claims

April typically marks the beginning of hail damage insurance claim season throughout the Mid-West. It is the time of year when afternoon thunderstorms produce amazing amounts of ice balls (hail) ranging in size from peas to softballs falling to earth at very high speeds. If you have not experienced a severe hail storm, it is hard to explain the destruction caused in such a short time period (typically less than 30 minutes).

 

Here are some tips to help handle the experience when it comes to hail related insurance hail damage claims.

 

There is absolutely nothing that can be done to prevent roof hail damage. There are no protective devices to install on a roof to further protect it from hail damage. The roofing industry has addressed these concerns through better technology, material and installation techniques.

Highly resistive roof material now is UL certified to withstand severe hail damage for longer periods of time than non UL rated roofing material. Insurance companies typically offer 5-15% discounts on homeowners and dwelling fire policies with the submission a UL roof certificate issued by the roofing contractor.

 

Asphalt shingles are by far the most popular roofing materials in America. This is the typical material used on the majority of houses from coast-to-coast. Asphalt Shingles come in a wide variety of colors and looks to compliment any home style and color decor. With collaboration between the roofing and insurance industries, new materials are more resistant to hail damage allowing a longer expected lifespan of asphalt shingle roofs.

 

However, like any other property owned, maintenance is key to longevity. A physical inspection of a roof after a hailstorm has passed through is highly recommended. By walking on the roof, weak spots can be felt  along with visually locating severe hail marks and damage.