Hail storms in Florida can be rare and brief, yet still cause severe damage to property. If your neighborhood in Florida has been hit by a hail storm, tornado, tropical storm or hurricane, you can decide to file an insurance claim on your property for hail or storm damage. All it takes to cause damage is hail the size of a quarter or a large enough piece of flying debris. When hail is about 1-inch across in size, more severe damage will occur, such as broken windows, shingles, and siding. Hurricanes can lead to flooding, siding damage, or roof lift-off. You should begin the insurance claim process by having the damage inspected by a professional roofer experienced in insurance claims.
Does my Roof Have Hail Damage?
Immediately after a hail storm, you may find that the damage to your home’s shingle roof does not appear to be a cause for alarm. What you will find are small impact points on your shingles where the ceramic granules were knocked off. These points of contact will have a random pattern across your roof. It is important to realize that this damage will look like darkened spots, subtle cracks, or more apparent areas with missing ceramic granules. An experienced roof inspector will notice these darkened spots have dents and feel slightly soft to the touch.
Hail damage should not be ignored because this type of damage grows in severity over time. If you know a hail storm will hit your area, it is a good idea to take “before” photos of your roof and property that include a date stamp. This will help identify storm damage separate from normal wear.
Signs of Hail Damage To a Roof
- Dark spots in circular or teardrop shape
- Dents or soft spots
- Small cracks
- Shingle granules coming out of your drain spout
- Dents on metal components nearby
- Surrounding trees and shrubs are stripped of foliage
How Hail Damage Progresses
Granules on shingles add grip and protect the asphalt from the elements. Over time, if left untreated, the granules will continue to wear away exposing more of the asphalt. Then as the asphalt becomes brittle and cracks, your roof becomes susceptible to roof leaks. In general, roof leaks welcome a host of other problems, like mold and decay, to your roofing system.
Protecting your roof is a vital part of protecting your home. Damage from a sudden hailstorm compromises your roof, the first line of defense against the elements. We can guide you on filing an insurance claim for any damage, including hail damage in the Treasure Coast. We will work with you and your insurance company to get your roof back at optimal performance.