Storm damage is common in the Midwest, which is why it’s important to know everything there is to know about hail and how it can damage your home. We are often asked questions about potential storm damage and what to do about it.
These are the most common questions homeowners have.
Where Can Hail Damage Happen on My Home?
The most common place for hail damage to occur is your roof, but nothing on your home is immune to hail and storm damage. Everything from your gutters to your siding, windows, and even your garage door can be damaged during a severe storm.
What Are the Signs of Hail Damage?
Hail damage can be small and unnoticeable to the untrained eye. It can also be dangerous to get up on the roof of your home after a severe storm. Always contact a professional to inspect for possible damage. If you want to take a look yourself, read this guide on the common signs of hail damage.
How Large Does Hail Have to be to Damage My Home?
You may hear reports about the size of hail in the recent storm, but there is no specific size of hail that can damage your home. You can be sure that the larger the hail is, the more likely it will be to damage your home.
Is Hail Damage Repairable?
This depends on the extent of the damage and the age of what was damaged. If the damage is too severe, replacement is always necessary. Even if the damage can be repaired, it may still be a good idea to replace roofing, siding, windows, etc. If they are significantly old. The repair costs may not be worth it if what was damaged needs to be replaced soon anyway.
Does the Damage Need to be Repaired?
In 99% of cases, yes, hail damage should be repaired. Leaving hail damage on your home can lead to very significant problems later, including leaks, structural damage, and more.
What Do I Do If I Think I Have Hail Damage?
Before you call your insurance company, have an exterior contractor come out and assess the damage. They will be able to tell you if there is damage and if it was caused by hail. At Schmidt Roofing, we will work with your insurance company throughout the entire process.
Does Insurance Cover Hail Damage?
This is entirely dependent on your insurance company and the plan you have with them. Most homeowners have some type of coverage against storm damage, up to and including hail damage.
How Much Will This Cost Me?
Cost is also dependent on the insurance plan you have. You will likely have to pay a deductible, but your insurance plan should cover a majority of the cost for the repairs and/or replacement materials.
Someone Came to My Door and Said I have Hail Damage. Should I Work with Them?
Be wary of people who come to your door claiming that you have hail damage. There are certain people who go door to door in areas impacted by severe weather. They often talk unsuspecting homeowners into filing a claim with their insurance company to get a new roof when no storm damage has been sustained. If something feels off with the person at your door, politely thank them and send them away. If you believe you have storm damage on your home, call a licensed, professional company to come and inspect it.
Think you have hail damage? We can help. We will help you through the entire process, from damage assessment to working with your insurance company. Contact us today!
