You’re a homeowner and determined your home’s roof needs fixing or needs to be improved with a replacement roof. You’re all set to get moving. What’s the optimal way to get a high quality roofer who will accomplish a good job? What could you look for in a roof contractor or contractor to obtain this work? Virginia Dale
When homeowners choose to repair a roof or replace that roof with asphalt during the cold winter months, they’re often plagued by worries that their family will freeze before the job is completed. In the same vein, those starting a roofing job in the sweltering summer months worry that they’ll be facing heat stroke. These concerns are perfectly normal and common among many homeowners looking for roofing fixes or roof replacement contractors.
Virginia DaleHow much damage to your roof can come during a hail storm? In Georgia, hail storms are not that uncommon and many homeowners visually see hail several times during the year. That is the case in metro Atlanta, where the last few years have resulted in elevated hail activity.Most people are somewhat aware of the damage hail can cause, in particular the larger variety of hail that is notorious for damaging and denting cars. This awareness doesn't always fully translate into the impact a hail storm can have on your home's roof. While you can visually see the damage to your car after a hail storm, you can't always see the damage to a roof. The damage you can't see can put the longevity of your roof at risk.Roof replacement due to hail damage is one of the most expensive fixes for homeowners and insurance companies. Hail can vary in size dramatically, falling as small as the size of tiny pellets, or as large as baseballs. It is typically the larger hail that can cause enough damage to your asphalt roof to justify a roof replacement. Asphalt Roof Shingle Damage from Hail:Hail damage to asphalt roofs occur when hail beating against the surface of asphalt shingle results in the protective granular surface of the shingle to loosen and potentially fall off. When the granules are loosened, the asphalt shingles loses some of its protection potential and becomes vulnerable to additional damage.- Note: Damaged asphalt layers can potentially allow water seepage into the roof.- Tip: If the granules of an asphalt shingle are removed by a hail storm, the shingle's longevity can be severely diminished.Signs of Hail Damage to an Asphalt Roof:- Bruises or small dents in the asphalt shingle - Granulation is displaced exposing the asphalt - Granulation has settled at the base of your downspouts - The spots hit by hail usually leave a soft spot in the shingle - Significantly damaged metal air vents on the roof indicate similar hit pattern for roof - Damage and denting of siding, or guttersIf my Roof is damaged, how fast should I replace it?There is a misconception if your roof sustains damage from a hail storm that your roof needs to be replaced immediately. You'll find some conflicting evidence online from other roofers that advise immediately replacing your roof. In Georgia for example, any reliable roofing contractor in Atlanta should tell you otherwise. Typically the damage sustained from a hail storm will pose no immediate threat to your roof. The threat is in the longevity of the roof, because hail can dramatically decrease a roof's life expectancy. The deteriorated protection from a roof that is not expected to last its full life is why insurance companies will authorize the replacement of your roof.Will Homeowner's Insurance Cover a New Roof?This answer varies by the coverage on your homeowner's insurance policy. For some homeowners the answer is "yes." If you believe your home has been the victim of hail, contact your insurance company to determine if your policy will cover the damage. For many homeowners they will be able to have the roof repaired, or replaced and will need to pay a deductable. - Tip: If you are unsure if you homeowner's policy covers hail damage to your roof, contact your insurance company.Caution: Avoid Storm Chasers!Homeowners need to beware of 'storm chasers.' A storm chaser typically consists of an out of town roofing contractor that goes door to door after a hail storm soliciting for business. While it may seem tempting and convenient, these roofers can do more harm than good. Make sure any roofer you look to work with has a good reputation in the community. Look for a roofer that is located locally and check references. Look for references that are over a year old and ones that are more recent, within the last 30 days. Finally never give a deposit for a roof. A reliable roofer will only ask for payment once the roof has been complete.If you think your home has sustained roof hail damage, get a professional opinion. Experienced roofing contractors should be willing to provide free roofing estimates upon request.
Estimating a Roof Job - A Roofing Business Pricing Guide For ContractorsThe storm has come and gone, did your home suffer any roof hail damage? Hail storms are capable of producing hailstones up to 6" in diameter. These balls of ice fall from the sky with no regard to your roof. The larger a hailstone is, the faster it will fall, potentially causing more damage to your home.Many factors play into how much damage a hail stone may cause. Size of the hail, wind speed and direction are only a few pieces of the puzzle. The age of your roof's shingles, the type of shingles and if your shingles are "impact-resistant" can all factor in to the severity of your roof hail damage.Damage to your roof's shingles can compromise the effective life of your roof and even if not immediately visible, may lead to large scale problems if not identified in a timely manner. Here are a few tips which will help you properly identify roof hail damage.Tip #1: Is there any visible damage on the inside of your home? If you see water stains or slow drips on the inside of your home, then you have a problem which requires immediate attention. A new water stain on your ceiling is most definitely a sign that your roof was compromised. If left untreated, the problem will worsen leading to further damage which may require a complete tear-off of your existing roof, not to mention repairs to the interior of your home. Tip #2 Are there any visible dents (blisters) on your roof's shingles? Just because you don't see any damage to the inside of your home does not mean your roof was not damaged. When there is no visible damage to the inside of your home, it may provide a false sense of security. By neglecting exterior damage, you run the risk of damage to your home in the months to come. Even worse is if you don't file an insurance claim within the time guidelines stipulated in your homeowner's insurance policy, you may lose benefits that you are entitled to now.Identifying shingle blisters requires a visible inspection of your roof. Sometimes blisters may be hard to see. It can be helpful to look for small dings on metal or aluminum vents, downspouts or gutters. It is typically easier to identify these marks than blisters on your shingles. If you believe you have visible evidence of damage, it is suggested that you contact your insurance agent immediately to express your concerns and to find out what your policy covers and the procedures necessary to file an insurance claim.Tip #3 Get your own independent professional opinion. There's no denying when a hail storm has blown through town. The National Weather Service records all storm data. If there is knowledge of a storm, and you contact your insurance company, they will most likely dispatch an adjuster. That adjuster represents your insurance company. His job is to identify damage, assess the cost to repair or replace your roof and make sure all of the paperwork is in order to process a claim.It is suggested that you contact a local roofing company that is trained in roof hail damage for an independent opinion prior to your insurance adjustor performing their inspection. Your roofing company is capable of representing your interests. They should be willing to provide you an inspection and estimate to repair any damages free of charge. More importantly, they should be willing to back up their estimate and make themselves available for mutual consultation with the insurance adjuster. If the adjuster and roofer can agree on the remedy for the damage and the cost, this can expedite the process. In most cases your roofer will be awarded the repair job.Tip #4 Get It In Writing. Most insurance companies will only issue a check directly to the roofer. This protects the insurance company from the homeowner "pocketing" the proceeds and never repairing the damage. By getting your roofing contractor to agree to the type of repairs to be performed and the costs involved, this will insure that your roof gets the required repairs. If your roofer agrees that the insurance check is sufficient to repair your roof hail damage, then they should be willing to do the repairs for that cost, nothing more. Roof replacement or repair due to hail damage can be one of the most expensive repairs for homeowners and insurance companies. Making sure that you properly identify roof hail damage in a timely basis, and following the proper procedures will help protect your family's most important asset, your home.In summary home owners who think they may have suffered storm damage should: Look for visible water damage inside your home. Look for damage to your roof's shingles that may compromise the effective life of your roof. If necessary, contact your insurance agent and file a claim. Consult a local roofing contractor trained in Roof Hail Damage to represent your interests.