Roofing Hail Damage Insurance Claims (Complete Guide) (2022)

*Last updated 12/23/21*

Raleigh, North Carolina, bustles with opportunities for those who work in education, art, and science. Americans move to Raleigh to kickstart their career or to retire with plenty of restaurants, museums, and hiking trails to explore. If you are a homeowner or soon-to-be homeowner in Raleigh, you should know where to turn if something happens to your residential roof.

When Raleigh homeowners need high-quality roofing services, they turn to us at Scro’s Roofing Company. Since 1995, we have been providing our customers with service defined by integrity and reliability. If your roof has sustained hail damage or you are worried about what will happen if hail damage occurs, you may be wondering how to proceed.Here, we cover FAQs on hail damage to roofs.

What Do I Need to Know About Hail Damage on Roofs?

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Hailmay have damagedyour roof, evenwithoutvisible signsof damagefrom the ground.Normally,hailneedsto beaboutthe size of a golf balltocausebruising orbreak through your roof.These damagescan beeasily overlookedand don’t alwaysshow up quickly.

Hail and high winds can cause serious damage to the roof and exterior of your home. An evaluation by one of our trained inspectors at Scro’s Roofing can verify the extent of your damages and outline how they should be repaired or replaced. There are a lot of good roofers around that have no clue how to inspect for hail damage or work an insurance claim. You need aprofessional working on your side.

What Does Hail Damage Look Like on a Roof?

Most of the time,hail damageisn’t easy to see. Youmay notsee actualindentations orholes in the roof.When it comes to hail damage, even many roofing contractorsdon’tknow what to look for.

If yoursidingorvehiclesare damagedoryourneighborsare replacingtheir roofs,your roofhasmore than likelysustainedhail damagetoo.

And if your siding or vehicles are damaged or your neighbors are replacing their roofs, your roof has more than likely sustained hail damage too. This is an easy way to look for hail damage without having to peer up at or get on your roof. The air conditioning unit and windows are other places to look for hail damage. Wooden decks can also be great places to observe damage, as stained decks could leave patterns of hail and chips in the framework. Examine your roof as well as the area outside of your home for more signs of hail damage.

You can use this evidence as a good starting point to identify hail damage, but for a more thorough and professional perspective, you should consult with professional hail damage roofing contractors. They can help to really identify where the damage originated and use their expertise to give you confidence about the damage of your shingles.

What Does Hail Damage Look Like on Shingles?

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Hail affects various roofing materials differently. Whether your installation is made from metal, asphalt, slate, clay, or concrete, hail damage can alter tiles, shakes, and shingles in unique ways. A repair to your roof is in order if you or our roofing team notice signs of damage:

  • Hail damage to asphalt shingles:Architectural and three-tab asphalt shingles may break, crack or show abrasions following a storm. With repeated exposure to hail, granule layers weaken over the long term.
  • Hail damage to slate shingles: These shingles are made from metamorphic rock. Hail may cause sections of slate shingles to crack, chip, or come loose.

Since your roof’s integritymay becompromised,you may want to act quickly.Whenhail is driven bystrongwinds, even smallhailmay causesevere damageto your roof, along withthe loss of protective granules.This cangreatly reduce yourroof’s lifetime. Damagedgranule layerscan expose yourshingles to thesun’sUV rays, quickly causingserious deterioration.

How Do Roof Insurance Claims Work?

Filing a roof insurance claim involves several steps. Our expert team at Scro’s Roofing uses more than two decades of industry experience handling the paperwork, inspections, and communication needed for a fast turnaround time. To save you from property losses beyond your control, your homeowners’ insurance company will pay for your roof replacement.

Before making a claim, Scro’s Roofing ensures all storm damages are documented. We will visit your home to conduct an in-person assessment and use drones to develop a 3D model of your property for the insurance provider. Below are the steps to take if you believe youmay have a roof insurance claim:

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  1. Contact Scro’s Roofing Company:Reach out to us at Scro’s Roofing Company to schedule a free roof inspection. We’ll inspect your entire home for wind, hail, and storm damage.
  2. Contact your insurance company:If we identify roof damage, we’ll execute our first insurance contract, allowing us to work with your insurer. We will then contact your insurer to file the insurance claim.
  3. Schedule inspection:Contact us with your adjuster’s information or ask your adjuster to contact us directly so we can schedule an appointment. We will be present during the inspection to represent you. Your adjuster should not examine your roof alone, though they may claim they don’t need us to be present.
  4. Identify damages during the inspection:Your insurance adjuster and our team will inspect every area of your property, talk about covered damages and reach a verbal agreement. We’ll point out any damages that an adjuster misses and ensure they understand the manufacturer specifications and required building codes in North Carolina.
  5. Send paperwork to Scro’s Roofing Company:Your adjuster will send paperwork about the damages they will cover. Before you sign, forward the paperwork to us so we can verify that your roof damages have been accurately reported and fairly evaluated.
  6. Choose a date to perform roof work:We’ll execute our second insurance contract and select a date to perform the work.
  7. Select your new materials and colors:Next, we’ll discuss siding, gutters, shingle types, and colors. Choose what will make you happy every time you look at your home.
  8. Have work performed on your roof:We’ll perform the work on your roof. After our work is complete, we’ll inspect the work with you and sign a Certificate of Completion, also known as a COC.
  9. Receive certified GAF warranty certificate:After we receive the second insurance depreciation check, we’ll register for you all labor. You’ll then receive your GAF warranty certificate.

When Should I File a Roof Claim?

Depending on how severe the hail storm is, you may not see the damage from the ground. To determine whether you require our help at Scro’s Roofing, examine your car and the rest of your property for anything unusual. If there are indentations on your car or damage to your neighbor’s property, you may want to seek a professional inspection.

File a roof claim as soon as possible after your roof sustains hail damage. The sooner we find problem areas, the faster we can order supplies based on what you prefer for color, texture, and style.

Will MyHomeowners Insurance RateIncreaseif I File aClaim?

No, your rates will not increase if you file an insurance claim after hail damage. Homeowners insuranceworks differently from carinsurance.If you file a claim, you won’tbe penalized. Rate increasesfor homeowners insurance dependon yourlocation.

Even if youdon’tfile a claim, yourinsurance ratemay increaseif youliveina locationthat hassuffered significantstorm damage.Filing a claim for storm damage won’t cost you a penny, and you don’t need to worry about your rate increasing, as the effects of a hail storm are not your fault.

Contact usat Scro’s Roofingafter a hail storm hitsyour neighborhood.When the adjustershows up to inspect your home,wewant to bethere.You have alegal right tobe accompanied bya professionalrepresentativeduring the inspection.However, you may not want to dependon only your adjuster’s inspection.Adjustersworkfor andarepaid byinsurancecompanies. Youdeserve to work witharoofingprofessional.

If you install a new roof, your insurance company may actually offer a discount on your homeowners’ insurance premium. Of course, many factors go into your premium, and roof age is just one factor that plays a role in determining your rate. Since every company’s process of determining rates is different, contact your insurance agent to determine whether you may be able to get a discount after replacing your roof.

What Can I Expect From the RoofInspection?

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During working hours, the adjuster will examine your property, which means you likely won’t be home when the inspection happens. In this case, you won’t have any input on the matter. During the inspection, we can represent you.

The adjuster will inspecttheexterior of your home, includingyour roof, and identify onlyvisible signs of damage. Foryourroof,the adjusterwill measurea test squareacrossdifferentpartsoftheroof. Ifthey identifya sufficient amount ofbreaks orbruises foreverytest square,yourinsurance company willcovera new roof.

The adjuster will inspecttheexterior of your home, includingyour roof, and identify onlyvisible signs of damage. Foryourroof,the adjusterwill measurea test squareacrossdifferentpartsoftheroof. Ifthey identifya sufficient amount ofbreaks orbruises foreverytest square,yourinsurance company willcovera new roof.

What IfMy Insurance AdjusterSays There Isn’t AnyDamage?

While it’spossibleyour roofisthe only onein the neighborhoodthat wasn’t damagedin a hail storm,it’salso possible thatyouradjuster isinexperiencedandoverlookedthe damage.At Scro’s Roofing, we’ve beenable to get insurancecompaniestocover roofing claims they hadpreviously denied.

You’reentitled toreceivea re-inspectionfromanother adjusterwho works forthe same firm.This means you don’t need tosettleifyou’re notsatisfied with the results.Requestanother inspection, and we willworkto get youwhat you deserve.

What If There AreDiscrepanciesAfter the Inspection?

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Most discrepancies happen when an adjuster doesn’t assess the same damage as a contractor, regardless of whether the inspection is for the siding, roof, gutters, or other interior or exterior damage. If your property has interior damage or other damages that may be easily overlooked, your adjuster will likely miss it, which is another reason you may want us to represent you during a roof inspection.

You’reentitled tohaveyourpreferredcontractorrepresent youduring the adjustment process, as this canexpediteyour claim’ssettlement.To spare youthe headache ofdealing withthe processalone and needing to taketime offwork, wecanrepresent youthrough every step of theprocess.

At Scro’s Roofing, we’llwork with your adjuster toanalyzethe extent ofyour roof’sdamage,verifypricing and offer aroofrepair priceyourinsurance companycan agree to.When you work with us, you’ll only need topayyour deductible, and we’ll get youa fair,amicable settlement.

How Much Hail Damage to Replace a Roof?

For the most part, hail damage isn’t immediate. Hail damage to your roof can dramatically reduce the lifespan of your roof. Many people only focus on the immediate damage following a hail storm, but if the shingles aren’t replaced, even small damages can result in lasting wear and tear on your roof.

For instance, hail storms can remove granules from your shingles. This protective layering defends against direct sunlight. When these granules are harmed, UV light can break down the shingles and lead to further damage. Splits and tears can contribute to an acceleration of the weathering process, compounding and leading your shingles to become ineffective much sooner than they should.

It’s essential to be actively prepare your roof for any harmful weather — especially hail storms — that could harm your shingles.

Following each hail storm, perform a roof inspection, checking for the following signs:

  • Holes
  • Large dents
  • Damage to vents
  • Granules in gutters
  • Damage to skylights
  • Bare spots on shingles
  • Granules in downspouts

If you believe you’ve identified roof damage or you’re unsure whether there is damage, then you may want to contact a professional to inspect your roof. Ignoring a minor problem may lead to a much bigger, more expensive problem later.

You might need to replace the entire roof if it leaks after a hail storm, as that could be a sign of extensive damage or age. Older roofs are often weaker and likely to become more damaged, meaning a replacement is a good call after hail damage.

HowDoInsurance Companies Pay onRoofClaims?

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Your insurer may pay for your roof replacement or repair depending on how and when the damages occurred. In most cases, you’ll receive your first check a few days after your adjuster estimates your property. This is known as the Actual Cost Value or” ACV”.

This check shouldillustrate the cost to replace orrepairyourdamaged property minus depreciation.This can bea misleading term, somanyhomeowners believethe first checkfrom theirinsurancecompaniesis the only moneythey’ll receive.

After the work is finished, your insurer may issue a second check. This is for your recoverable depreciation amount if the expenses are greater than or equal to your total settlement. Many homeowners don’t get the depreciation amount back due to a misunderstanding of the process or because their contractors didn’t understand the correct procedures.

For example,yourinsurance company haspaid out$5,000for your roof replacement.Ifyourinsurancedeductible is $500and yourwithheld recoverable depreciation is $2,000, thenyour first checkis $2,500.

Ifa contractor replacesyour roof for $3,500, yoursecondcheck fromyour insurerwillbe $500. Ifyou have coverage for replacement costs, you may be able to receive the withheld recoverable depreciation once repairs are completed as long as your repair costs exceed the initial claim payment and your deductible amount.

Do I NeedMultiple Roof Estimates?

No, you don’t need multiple roof estimates, as your insurerhas a defined price list.Theinsurancecompanywill payonly for the repairs’actual cost, according to their price list,no matter theprices you may get.Your insurance company will only pay areputable contractorthe fair market price.

The following arethreedifferent examplesof roofing bids:

  • The cost of the roof is $5,000. You pay a deductible of $500. Your insurance provider pays $4,500.
  • The cost of the roof is $6,000. You pay a deductible of $500. Your insurance provider pays $5,500.
  • The cost of the roof is $7,000. You pay a deductible of $500. Your insurance provider pays $6,500.

You’ll pay onlythe deductible amountand any roofing upgrades you request, no matterthe price.With Scro’s Roofing, you canget the bestpossiblerooffor your money.ChoosewhichRaleighroofingcontractor you use based ontheir reputation, experience, andwho you feel comfortable with.

Which Raleigh Roofing Contractor Should I Hire?

FindalocalRaleighhail damage roof repaircontractorwho canhelpwith the processof filing yourhail damage roof insuranceclaim. Therepaircost for your home isdetermined byyourcontractor andyourinsurance company.

At Scro’s Roofing, we have successfully completed hundreds ofroofing repairs in Raleigh.We have been serving the Raleigh area since 1995, andwe have experienceworking with insuranceprovidersto replace yourstorm-damagedroof andgutters.

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Our goal is to provide the best experience possible for our customers, resulting in 100% customer satisfaction. Through every step of the process, our focus is on you. We provide full-servicecommercial roofingandresidential roofing solutions. Our roofs are square because we do not cut corners. Turn to us for:

  • Roof repairs
  • New roofs
  • Free roof inspections
  • Storm damage repairs
  • Roof maintenance programs
  • Seamless gutter installations

You deserve a trained professional to represent you. We’ve had years of experience helping the Raleigh area with hail damage roof insurance claims.Contact usat Scro’s Roofing Company today for a free estimate or to learn more about roof insurance claims.

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