Hail Damage

From the ground it is often hard to tell, which is why hail claims are missed. On the roof, hail can leave round bruises that feel soft under pressure and expose the mat beneath. Dents on gutters, vents, flashing and air conditioner fins are a useful sign that the property was struck.

Often. A wear and tear finding comes from one inspection, and it can be answered with slope-by-slope test squares, an impact count, soft metal damage and a dated storm report. Whether a carrier changes its position depends on the evidence and the policy.

It is an endorsement some policies carry that excludes hail damage affecting appearance but not function. It is written most naturally for metal roofing and siding. Whether it applies to asphalt shingles with a fractured mat is a question for your policy wording and the evidence.

Rates are set by carrier filings and are influenced by regional losses, and we cannot predict what any carrier will do for you. Leaving real storm damage unrepaired carries its own risk, since later water damage can be argued as a maintenance issue.

A roofing contractor prices and performs the repair. A public insurance adjuster is licensed to document the loss, interpret the policy and negotiate with the carrier for the policyholder. We do not perform roof repairs.