Hail damage accounts for a lot of the damage to roofs for hail storms in Colorado.
Nationwide, hail causes more than $1.6 billion in damage per year – just in roof damage – according to the Federal Alliance of Safe Homes.
Before we begin looking at how to determine and establish hail damage to the point of contacting a Greeley roof hail damage repair company for northern Colorado like Slaughter Roofing, consider the following:
Myth: I looked at my roof and didn’t see any problems, or my roofer inspected it and there are no problems.
Fact: Roofing systems must be physically inspected by someone who has training and experience to determine if there is actual roof hail damage to your Greeley or northern Colorado home.
Myth: I’m not missing any roof shingles so I must not have damage.
Fact: Missing shingles are related to wind damage claims and can happen during a hail storm if the winds are high enough. However, roof hail damage to shingles or tiles in Greeley, northern Colorado, or elsewhere is insidious in nature and may not physically cause leakage until years after a hail storm.
Myth: All homes in my neighborhood will be affected the same by hail
Fact: Although each roof must be evaluated individually, the number, size, and hardness of the hailstones can vary tremendously within a small locality. Velocity and direction of the wind are also factors. Other factors include roof pitch, age, and condition.
Myth: I only have 1 year to file my insurance claim.
Fact: Many insurance companies do have a one year time limit and some even less, however due to the nature of hail damage they may pay claims past the deadline. This usually happens if a hail storm is widespread geographically.
Myth: My roof is new so it’s covered by the manufacturer’s warranty, home builder, or contractor.
Fact: Manufacturer’s specifically name hail as an exclusion to their product warranty, so do home builders and roofing contractors. Newer roofs can actually be more susceptible to hail damage versus older roofs due to the time it takes a new roof to cure from exposure to the elements.
Myth: My insurance company will cancel my policy if I file a claim.
Fact: Most states prohibit insurance companies from cancelling policies for filing claims arising from severe weather related events. Check with your state however and your policy language as well.
Myth: If I don’t file my claim, my insurance company won’t raise my rates.
Fact: After a disaster, insurance companies may raise every one’s rates. By not filing your roof hail damage claim in Greeley or northern Colorado, your personal rate increase is paying for everyone else’s damage except yours.
Now, exactly HOW do you determine whether or not you have sufficient hail damage to get roof repair?
Here at Slaughter Roofing we want to ensure that you ONLY get roof hail damage repair for your Greeley home when you need it. Integrity and honesty are important to our northern Colorado roofing company and we do our absolute best to provide you with all of the information (even if we do not reroof your home) so you can make a wise decision going forward.
Identifying ‘functional’ roof hail damage to shingles or tiles (what an insurance company will cover) is problematic. Insurance companies will first determine if damage is recent, in the past, or a combination of multiple incidents over the life of the current roof.
Before you begin your process with the insurance company, please contact Slaughter Roofing first to determine the extent of your northern Colorado or Greeley roof hail damage. We have navigated these waters many times and have the expertise you need. Slaughter Roofing is also a local company which means we are deeply invested in the community you live in. We were here before the storm and we will be here after to serve you.
Please contact us for a free evaluation and estimate.
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