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Oh Hail No: What to do When Your Roof Has Hail Damage

Roof Hail Damage

 

Hail is one of the most destructive forces in nature. One of the worst things about hail is that it can go unnoticed. Hail damage to a roof often looks fairly normal until you start to notice problems with water getting into your home or leaking from your ceiling. We will discuss what hail does to roofs and how it affects different types of roofs. We’ll also talk about what hailstorms can do, including some telltale signs that show if a hailstorm has hit you. 

The main problem is that even small hail of one inch or less can do devastating damage to your roof, and you wouldn’t even know it without a detailed inspection. Without knowing what signs to look out for, it is nearly impossible to detect hail damage, and if left alone, it can have you needing much more than just a few repairs. 

 

What Can Hail Do to Your Roof? 

 

-Hail can cause dents in your roof tiles, which lead to leaks. Even sturdier materials like slate tiles and metal can be beaten down by sufficient hail. 

-The force of the hail hitting the roof causes it to break or crack, leading to the leak problem. Hail damage also breaks down the protective coating on roofs, so more water gets through when rainfall hits them again. 

-In some cases, hail will actually slide off a roof’s surface with enough force that it leaves behind an indentation below where it hit (called “hollow hailstones”). When any rain falls into these indents, there is no water barrier to escape from, and you have another leak. 

-Hail can also break and damage gutter systems, leading to drainage issues that can lead to the development of mold and rot, which can cause holes in your roof and leaks in your home. 

 

How Do You Tell if You Have Roof Damage?

 

-If you have a leak in your home, but don’t know where it originated from, then the first thing to do is check for any traces of hail damage. 

-Sometimes, these are subtle and easy to miss if they’re not visible on the surface of the roof. Some telltale signs that there might be hail damage include dents or depressions in your shingles; missing sections of shingle (indicating chunks were taken off by high winds); curled up edges around skylights or vent pipes; discoloration near seams and joints, and other signs of wear or deterioration. 

This is not only true of just shingle roofs either. Hail can be strong enough to crack or break tile roofs and even dent metal ones. 

One of the worst types of damage and also the most difficult to detect are dozens or even hundreds of tiny pin-holes in your shingles or other roofing material. Hail can rain down hard enough to punch tiny holes in your roof that, while minimal at first, can lead to major leaks and flooding later on. 

 

How Different Sizes of Hail Damage Your Roof?  

 

Hail under a quarter inch in size can leave dents and damage the surface of your roof but won’t do any major structural damage or make it leak. 

Hail that is one-quarter to three-quarters of an inch in diameter will punch through shingles and cause leaks around vents, skylights, or other protrusions. 

Hail larger than three-quarters of an inch in diameter destroys roofs by punching holes all over the place, causing so much water leakage you might as well call this hail storm “waterfall.”

Anything over an inch in diameter is likely to cause severe and massive damage to your roof system. 

Once hail reaches two inches in diameter, it is capable of breaking parts of your roof and putting holes in most types of roofing material. The speed of the hail combined with high winds and heavy rainfall can turn your roof from perfectly fine to full of holes in an instant. 

 

Can Hail Damage Be Fixed? 

 

No, hail damage cannot be fixed. 

The best way to avoid this type of devastation is to install a roof that will withstand the impact of an impending storm and keep your home dry in heavy rain or snowstorms.

Not all roofs are created equally. The material you choose for your residential roofing systems should fit with how much time it spends exposed to nature’s forces, including exposure to wind, water penetration from thunderstorms, and hail impacts from severe weather events like hurricanes and tornadoes. 

When choosing materials for installation on your residential property, consider what conditions exist in different geographic areas where there may be high levels of rainfall year-round coupled with a greater potential for damaging hailstorms. 

Simply put, a roof devastated by hail will likely need to be replaced. That’s why upgrading to a stronger roofing material and being vigilant about inspections is the best way to keep your roof intact and avoid more damage than just a busted-up roof. 

 

Signs of Prolonged Hail Damage

 

If you’ve been as many people and been unable to notice whether your roof had hail damage, here are some of the signs to look for the next time you’re surveying your roof. 

Raised or curled shingles are a sure single of hail damage. Your shingles will start to bubble out over time and may even trap water underneath them, which can lead to mold, rotted wood, and eventually a leaky roof that ruins the rest of your home. 

 Broken or loose shingles as well as cracked tiles, worn surfaces, even bare spots in your roof, if you haven’t checked in a while, these can be signs that you’ve suffered significant hail damage. 

Scratching on metal in a zigzag pattern near the edge of the roof where hail strikes hit hardest. Sometimes, deep scratches may also be visible at this spot. 

 

Will Insurance Cover Hail Damage? 

 

Hail can lead to costly repairs for homeowners. But it’s important not to panic: you may have coverage through your homeowner’s insurance policy that will cover damages from hail storms, as long as the damage was sustained during a hailstorm and reported within 60 days of its occurrence, though the exact amount of time you have to report damage will vary by policy. 

Plus, most residential policies offer some form of liability coverage in case someone is injured on your property due to severe weather conditions, so make sure you’re covered before disaster strikes!

The exact type and extent of your coverage will vary by insurance provider and the type of policy you have, as well as your regional location. 

What Should You Do Before Filing a Hail Damage Claim? 

  • If you have homeowner’s insurance, contact the company and report your damage. 
  • Take pictures of the damaged area(s) to document what repairs need to be made before a claim can be filed. 
  • Gather any receipts related to storm-related expenses such as an emergency contractor or a temporary roofing company if you had work done during or after the hail storm – these could help with filing for reimbursement later on. 
  • Contact a roofing repair expert. This is important because many of them can help you deal with the insurance company and will know the exact steps, what pictures to take and how to fight to get your damage covered. 

 

How to Prevent Hail Damage?

 

  • Clean gutters and downspouts regularly to prevent water from pooling on the roof. 
  • Make sure your roof’s pitch is sufficient enough to avoid hail damage at all times. If it isn’t, add a gravel ridge or adjust shingle layers until you find something that works better for you. 
  • Contact your local roofing experts and make sure to have your roof regularly inspected. You can prevent some hail damage by replacing loose shingles or tiles and making sure ductwork, gutters, and other components are completely secure. 

 

Contact McDonough Roofing 

 

If you suspect you may have hail damage or are just looking for professional support to make sure your roof is the best it can be, contact McDonough Roofing today and let us see what we can do for you. 

Taking care of your roof is serious business, and we’ll be there to help you no matter what the problem is. Storm and Hail damage, repairs, replacements, and upgrades, McDonough Roofing can handle it all.

Why Proper Drainage and Cleaning is Important For Your Roof

Why Proper Drainage and Cleaning is Important For Your Roof

It’s important to take proper care of your roof. This includes cleaning and inspecting your roof on a regular basis. No matter what type of roofing material you choose, debris buildup can be a terrible problem for your roof. 

For instance, on a flat roof, water can pond and build up and cause damage to your roof just from the sheer weight or even cause mold and mildew if your roof is improperly sealed. There are a number of issues that can be caused by water and debris buildup that can often go unnoticed, especially if roof maintenance is not a priority. 

We’ll break down some issues that can occur and how best to deal with them to keep your roof in great shape for the life of your home. 

 

Proper Angling and Gutters Can Save Your Roof 

 

As we mentioned above, the slope of your roof matters when trying to keep it clean and debris-free. A flat roof doesn’t drain easily, but a steep roof is difficult to work on in the event of damage is even more difficult to clean. 

Additionally, roofs with multiple eaves and angles can trap pockets of water and debris that can build up and cause rot, mold, mildew, and other damage. The first thing to do to protect your roof is install gutters along the edges of your roof to catch debris and water and funnel it away from your roof. 

Having your roof inspected and then altered to improve the drainage can save thousands in repair costs. A roofing company can improve the shape and angle of your roof to allow it to drain better. 

 

Clean Off Your Roof and Inspect Your Ventilation 

 

Cleaning your gutters helps improve drainage, but that’s not all you need to worry about. One thing that should be done regularly is the roof should be swept clean of debris so that it doesn’t build up. Debris like leaves, tree limbs, pine straw, and other material causes mold and mildew as well as can rot shingles and wood beneath your roof. 

Pests and birds can also make a home on your roof that can cause damage. If sweeping and cleaning your roof doesn’t sound like a job you want to handle, then it’s a good idea to hire a professional. 

Another thing to look out for is debris blocking ventilation points on your roof. This can not only cause damage to your roof. It can be dangerous. Particularly the vents for your stove, heat source or chimney, and other items need to be able to vent properly to prevent harmful gases from building up and potentially causing a fire or other concerns. 

 

McDonough Roofing Can Keep Your Roof in Tip-Top Safe

 

If you’re concerned about the shape of your roof or want to have an inspection done to see how your roof is working, contact McDonough Roofing today, and we’ll provide a roof inspection and help you figure out how to improve the function and longevity of your roof.

Can a roofing company pay my deductible?

Can a roofing company pay my deductible

In the business of contracting, most owners will take the opportunity to get ahead. This means they will even sell promises that can end up problematic. With all the unpredictable events throughout the years, there are many people who have experienced having damage to their homes. If you have homeowner’s insurance, it could mean that you can get the cost of your roof covered at a lower cost. This is where some contractors, or roofing companies, have found their way in. 

You may have heard such deals that can get your roof replaced at no cost. There are roofing contractors who tell homeowners that is it perfectly legal to cover their deductible cost on insurance repairs. Some roofing contractors even go to lengths to advertise their services as free. That offer may seem too good to be true, most of the time it is. It is illegal and here is the reason why.

Homeowners insurance is a legally binding contract between the homeowner, the contractor, and the insurance company. That contract outlines the responsibilities of each party should there be an unexpected incident. It further states the specific responsibility of the insurance company for limits, exclusion, and benefits, while the homeowner remains responsible for the deductible. The responsibilities of the homeowner remain the same as that of the insurance provider. This simply means that when homeowners do not pay the deductibles that is a form of fraud that could result in a loss of coverage. 

 

How do roofing companies cover deductibles?

 

Roofing contractors that cover homeowners’ deductibles are not being clear to the insurance and mortgage companies. Roofing companies paying your deductible is illegal. You have to understand how the paying system works into the insurance claim you have on your roof. Here is a simplified example to explain how it is supposed to work.

  •  For an insurance claim to be paid, the documentation has to be in order and be provided on the total cost of the repairs.
  • If the cost of the repairs, for example, is $20,000 and the deductible is $2,000.
  • After a mandatory claims review, the insurance company will cover $18,000 – the total cost of repairs minus the deductible amount.
  • The homeowner is responsible for the remaining amount for the full repair of the damages.
  • The damages in the home are then addressed or repaired. The insurance company and the homeowner have their contractual obligations fulfilled according to the insurance policy of the homeowner.

Because insurance companies will take away the deductible from the claim payment, what roofing contractors do is to either inflate their estimates on the damage to be repaired or complete the job with less cost. This usually involves low-quality workmanship, low-cost labor, or cheap materials. If a contractor is misleading in the estimate to cover the cost of the deductible, this amounts to insurance fraud. In the same way, knowingly misrepresenting an estimate to allow an increase in payouts is also considered fraud. There are criminal penalties for these sorts of wrongdoing.

 

Looking for a better roof price does not exempt you from paying the deductible

 

Your deductible always comes first. If your damage repair job costs you $10,000 then your insurance company may only owe you $9,000. There is no getting away from deductibles, the only way a deductible is saved is when a false invoice is turned in, which would reflect a higher amount that would not be the amount that’s actually paid for. It is this kind of shady actions that contractors can be in big trouble.

 

The bottom line is roofing companies will not cover deductibles.

 

Reputation is important. Roofing companies will not risk being in financial and legal trouble by getting quick pay. Choose roofing companies that have a high customer satisfaction rating in the roofing repair industry. This is when you can really find out about companies that have the right value and do consider the quality of their work, and not by cheating the system or its customers. Reading through customer reviews also allow you to find out how different roofing companies actually manage their job orders. If you can get on their website or social media, you also may be able to see their output through the photos or videos. When it comes to covering a homeowners’ deductible choose roofing companies that do not compromise ethics. You will also be assured that you will not be compromised, and your roof will be fixed without a hitch.

Common Roofing Terminology

Roofing terminology Explained

Common Roofing Terminology

How well do you know your roof? If you had to call someone to repair a part of your roof or look at a specific part, how would you describe it? Here are some of the more common terms that are used most often along with a description of them.

Decking/Sheathing

The most used material is half inch plywood which is nailed to the roof trusses. This offers a surface for the roofing material to be attached to such as shingles being nailed down.

Roof Edge/Eave Edge

These boards run along the edge of the roof and seal off the air space between the roof and the eaves. These boards are also referred to as fascia boards.

Ridge

This is the line that runs horizontally along the top of the roof.

Attic

This is the empty space that is located below the roof. This area must have adequate air flow (ventilation) so that it protects your home from excessive heat in summer and cold air in the winter.

Saddle

This is a structure which sits on the upper side of a chimney or vent and diverts water around the projection so that it will not ingress under the roof.

Valley

This is the angle cut in a “V” which is located where the two slopes of the roof meet.

Roof Vents

Enclosed structures which are constructed of plastic or metal and have fins and openings which allow for the space in the attic to receive proper ventilation. The best vents are open on all four sides and sit above the roofline to take advantage of wind from every direction.

Plumbing Vent

These are small pipes that can be seen poking out of a roof.  Air moves through these pipes to move wastewater to the septic tank or the sewer.

Drip Edge

This moulding covers the roof’s edge to lower the risk of water ingressing under the surface of the roof.

Deflector

A small piece of cardboard or polystyrene which sits between the rafters to ensure that air can flow freely over the insulation around the soffits.

Shingles

Shingles can be wood, fiberglass or asphalt and are used to form a roof, protecting your home from weather. These are usually available in a wide range of colors and styles.

Eave membrane

A protective membrane that sits under the shingles to prevent water from getting through the roof when ice dams form.

Underlay membrane

A coating created from felt usually saturated with asphalt or some type of synthetic fabric which protects the shingles on your roof from any resin which can be released by wood decking.

Flashing

Flashing is sometimes flexible, but it can also be very rigid. It can be made from plastic, aluminum or galvanized steel and covers the joints of the roof. It prevents water from getting into openings on the roof or from seeping under any other parts of the roof. It is generally used in any valleys of the roof or around bases or chimneys, vents and plumbing stacks.

Shingle Choice

Asphalt shingles are a popular choice in North America because they are easy to install and are very affordable. They provide a solid waterproof surface by allowing water to flow over them, with a generally lifespan of between 20 and 40 years.

New shingle roofs are often installed right over top of old shingles to save time and money, but it is not a recommended practice because this can lead to distortion and defects that can compromise the performance of the new roof.

Thicker and heavier shingles provide better resistance to bad weather. There are two main types of fiberglass-based shingles:

  • Shingles that have two to three layers, reinforced or laminated (architectural) shingles
  • Shingles that have one layer and three tabs.

Laminated shingles cost more money but last for much longer. If you plan to replace your roof, it is important to keep some extra shingles handy if small repairs are needed.  Make sure that you know the brand, model number and color of your shingles should the need arise. Your old roof shingles can be recycled. There are many places to purchase shingles, including online, but remember to check that the materials used meet the local building codes in your area.

Warranties

Most asphalt shingle companies will offer a warranty of 100% for the first five years on single layer shingles and 15 years for laminate shingles. As the singles age, the portion that you will recoup lowers and eventually the warranty will come to an end. Some manufacturers will also offer protection against the development of blue-green algae or damage that can be caused by storms.

If you want to have an extended warranty, many roofing systems offer these, but they will cost more money than a standard warranty. These more expensive, more lengthy warranties also are only in place if the roofer carrying out the work is certified by the manufacturer to perform that work. If the decking of the roof is not in good condition or there is not sufficient ventilation in the attic, it can void the warranty.

How do Roof Types Affect Ventilation?

The type of roof you choose will have certain standards to comply with ventilation. For example, the design and shape of a roof can cause ventilation issues in your attic. The slope of your roof can also affect they type of materials that are used on it. Asphalt shingles, for example, must be installed on a 4/12 pitch. The materials used must always be compatible with the roof grade to remain waterproof.

To ensure adequate airflow, the ventilation openings that are required will be completely dependent upon the type of roof that is installed. The ventilation openings have a direct ration to the surface of the insulated ceiling of about 1 to 300 or one square foot of ventilation openings for every 300 square feet of insulated ceiling.

Types of Roofs

Roof with Dormers or Gables

If an attic space has dormers added in this means, there is less room for soffits. This means that the soffits that are installed must allow for more air intake (or have higher perforations).

Asymmetrical Roof

The air intake near the top of the roof must be balanced when it contains asymmetrical slopes. This means that the percentage of ventilation openings located along the base of the long side of the roof need to be increased while the ventilation openings located along the shorter side of the roof should be decreased.

If a roof has an accessible attic together with a cathedral ceiling, then the accessible side needs ventilation openings to the insulated ceiling at the rate of 1:300 and on the cathedral side ventilation openings need to be 1:150 at a minimum.

Flat Roof

If the roof slope is less than 2/12 it is referred to as flat. Ventilation openings in this situation should be a minimum of 1:150.

Roof with no Attic (“Cathedral Ceiling”)

If a roof has no attic it should have a ventilation ratio of 1:150. There should be openings along both the base and the peak of the roof.

Mansard Roof

The lower part of this type of roof needs no ventilation but the attic section should have ventilation like regular standards of normal attic roofs.