If you live in Colorado Springs, chances are that at some point or another you will require an inspection for hail damage to your roof.
In the Pikes Peak Region, thunderstorms are a very common occurrence. Sometimes these storms are violent and due to wind, hail and lightning they can cause massive damage. We usually say that the most destructive storm is a tornado, generally only a few dozen structures are destroyed by a tornado before it dissipates, in most cases.
On the other hand, a hail storm can often strike thousands of homes as it makes its way over large urban areas. At times from the ground you can notice hail damage to your roof, however you really should have a roof inspection to determine if there is actual damage. If your home has been hit by hail, you will need an initial inspection, get in touch with your insurance company, and choose a roofing contractor that can handle the work which is needed.
Asphalt Shingle Damage By Hail
When an asphalt shingle roof gets struck by hail, the protective granules usually become loose and that creates a soft spot which is the size of the hail stone that struck. In the shingle there is a reinforcing mat of fiberglass. The reason the soft spot occurs is due to the fact that in this particular spot, the mat has been crushed. Generally the damaged area sinks in resembling a crater. At times these sunken areas are referred to as “bruises”.
If the hailstone was a large one, from the roof level the impacted area will be very visible. If the hail was a smaller size then the bruises will not be as visible. Even smaller hail is able to cause soft spots which weaken the shingles; even if from the ground they may not be visible. Initially shingles that are damaged from hail will not always leak as they have felt underlayment and are double coursed. However, the damage will cause faster deterioration of the roof and eventually it will start leaking.
Get Your Roof Inspected
In order to determine the extent of the damage, you will require a rooftop inspection. The best option is to have an experienced roofing contractor inspect your roof for you so that he or she is able to determine if there is hail damage. An experienced roofer will be able to inform you is the damage is severe enough for you to file an insurance claim. When your roofer has confirmed the damage, you should call your insurance company. On your call you will be provided with a claim number and the will assign an adjuster to your claim.
What Determines Roof Replacement
Oftentimes an insurance adjuster will use chalk and then draw on your roof a 10x10 foot square on the roof. What insurance companies looking for are the amounts of hail which hit inside of that square to determine if the entire roof must be replaced. If the amount of hits are between five to ten percent in the one hundred square feet parameter, then replacement is usually required.
If the amount of hail damage is more borderline, when the adjuster arrives it is a good idea to have your roofer present. The roofer will be able to show the adjuster the damaged areas and properly represent your case. If you roof is completely totaled, the adjuster will measure your roof and based off of the price structure of the insurance company, calculate the cost of replacement. You will initially be issued a partial payment. The balance will be retained until completion of the roof and the delivery of the invoice.
Find A Trusted Roofing Company
When it comes to replacing a hail damaged roof, the best approach is to from the beginning find a roofer you feel comfortable with and work with him or her. Make sure that the initial inspection is handled by your roofer and if necessary, meet with the insurance adjuster. The adjuster’s report should also be reviewed by your roofer to guarantee that everything is in order, and nothing has been forgotten. Your roofer will be able to determine is the measurements are accurate and if the insurance company will be paying the correct amount of money for a proper job.
When it comes to an insurance roof replacement, there is no need to take on competitive bids. If you take on a bid for an amount that is lower than what the insurance company will pay, the amount of your claim will be lowered to match your low bid. This will be basically leaving money on the table which could be invested in getting a high quality job from your high quality roofer. The best roofing companies will work with your insurance company.
Call Safe Haven Roofing And Restoration
From start to finish, replacing a hail damaged roof in Colorado Springs doesn’t have to be a stressful event. Call Safe Haven Roofing And Restoration at (719) 799-3526 and we will put your mind at ease with the best new roof your home can have – with the least amount of stress and inconvenience.
We highly recommend Michael Donadic. He was not only our roofer but our insurance advocate. We had significant damage from a hailstorm. Michael worked with our insurance company. We feel that we were definitely better off with him on our team.