Homes Made Of Roof Hail

If you live in a hail prone region like hail alley your insurer might raise premiums on all policies to cover for the high number of claims made or even exclude automatic hail coverage.

Homes made of roof hail.

Here we ll explain how home insurance pays for hail damage to your house and what to do if hail damage is excluded from your policy. Solar roof shingles offer some interesting benefits and are now available in a variety of styles to match the look of asphalt slate and clay tile. Hail damage to clay tile roofs. You don t need a leak to have roof hail damage.

Wind and hail damage. Solar roof shingles are made from a material that can withstand high speed hail impact and very high winds. Home insurance companies view roofs as one of the most important parts of a home. Some homeowners mistakenly think that their roof is fine after a hail storm because they don t have any roof leaks.

Hail is a powerful force of nature that can even damage roofs made with concrete tiles if the stones are large enough and wind speeds are high. If you re receiving multiple solicitations from roofers and or your neighbors are getting roofs put on chances are you have. Roofs protect homes from the elements which also prevent home insurance claims. With that mind many insurers view roofs as critical.

If you suspect that your roof has sustained damage from a hail storm the first thing you need to do is inspect the roof for dents dings split shingles and any leaks and cover any damaged areas with a tarp or similar waterproof material to show the insurance company that you made initial efforts to mitigate the damage. Home insurance companies in past years have been walloped by numerous and expensive roof claims. To combat this many home insurers have implemented different coverage levels. Because seamless gutters are frequently feature aluminum or copper construction the signs of hail damage include telltale denting.

Hail damage is covered by standard home insurance in most states. If you have a damaged roof you re likely going to have problems within your home that will lead to more claims. If you don t see much damage aren t sure what you re looking for or don t want to get on your roof have a good roofing contractor perform a free inspection. Your home might have been hit by golf ball sized hail.

Clay tile roofs are prized by homeowners for their fire and moisture resistance long lifespan and low maintenance as well as unique appearance. You can also hire an independent insurance adjuster not a public adjuster see mistake 5. Foster estimates that 40 to 50 percent of the homes in his neighborhood have had new roofs installed within the past year.