Hail Damage Roofing Companies Blackpool

Hail Damage Roofing FAQs

How can I tell if a roof has been damaged by hail or something else?

Distinguishing hail damage from other types of roof damage can be challenging, but here are some clues:

• Pattern of Damage: Hail damage typically exhibits a random pattern of dents or bruises across the roof surface, following the direction of the hailstorm. Other damage, like wind damage, often appears more localized or directional.
• Shape of Damage: Hail impacts often create circular or irregular dents or bruises, while other damage might result in tears, cracks, or lifted shingles.
• Accompanying Damage: Hailstorms often cause damage to other exterior elements, like gutters, siding, or vehicles, providing further evidence.

If unsure, a qualified roofing contractor can assess the damage and determine the likely cause.

What are some tips for working with my insurance company on a hail damage roof claim?

To ensure a smoother insurance claim process:

• Report the Damage Promptly: Contact your insurance company as soon as possible after the hailstorm to report the damage and initiate the claims process.
• Document Everything: Take photos and videos of the damage, gather any relevant documentation (receipts for past repairs, roof inspection reports), and keep records of all communications with the insurance company.
• Understand Your Policy: Review your policy's coverage, deductibles, and exclusions related to hail damage.
• Get a Professional Inspection: Have a reputable roofing contractor specializing in hail damage assessment inspect your roof.
• Be Present During the Adjuster's Inspection: Accompany the insurance adjuster during their inspection and ask questions to clarify any concerns.
• Review the Settlement Offer Carefully: Ensure the settlement offer covers all necessary repairs and is consistent with the contractor's estimate.
• Negotiate (if needed): If you disagree with the settlement offer, be prepared to negotiate with the insurance company or consider seeking assistance from a public adjuster.

What is a 'functional damage' assessment for hail damage?

In hail damage roof assessments, 'functional damage' refers to damage affecting the roof's ability to perform its primary function of protecting the building from water intrusion. It goes beyond cosmetic damage and includes issues like:

• Cracked or broken shingles or tiles that expose the underlayment.
• Damaged or missing flashing that creates gaps for water penetration.
• Dents or punctures in the roof deck that compromise its structural integrity.

Insurance companies often use functional damage assessments to determine whether the damage warrants repair or replacement under the terms of the policy.

What is a 'cosmetic damage' assessment for hail damage?

'Cosmetic damage' in hail damage roof assessments refers to damage that affects the roof's appearance but does not compromise its ability to function as a waterproof barrier. This includes:

• Dents or dings in shingles or tiles that do not expose the underlayment.
• Granule loss from asphalt shingles that does not result in exposed asphalt.
• Minor scratches or discoloration of the roofing material.

Cosmetic damage is typically not covered by insurance policies unless it's accompanied by functional damage.