Old Hail Damage On Roof

Roofs that are over 20 years old often have limited coverage if any.

Old hail damage on roof.

Even old hail damage may be covered by insurance. Old hail damage to most roofing materials will typically have characteristics that are distinguishable from new hail damage. In many states usually where hail is less frequent a standard homeowners policy includes hail damage to a roof as part of your protection coverage. A damaged 10 year old roof will likely get coverage for a full replacement.

Your insurance reimbursement will be based on the. Vehicles left outside aluminum siding asphalt shingles and the gutters along the roof can all be negatively affected by hail. Whether they will pay for damage caused by wind rain or hail is determined by your policy and your roof s age. Dents on metal roofs.

You can buy only actual cash value coverage for wind and hail damage if your roof is too old to qualify for replacement value coverage. Second layer shingles are more susceptible to damage than first layer shingles because the surface directly underlying the shingle is less supportive than dense wood. Hail damage can also be affected by the number of shingle layers on a roof. Gutters are also susceptible to hail damage.

If you live in an area where roof damage from windstorms and hail is prevalent or possible the decision you make about this coverage could mean the difference between paying out just your homeowners policy deductible or your deductible plus depreciation costs. Hail damage on the roof is specified as a loss in water shedding capability or the reduction of the long term service life of the shingle. Homeowners file a claim pay the policy deductible and then the insurer pays to fix the damage. For example old hail damage to asphalt shingles will appear weathered with the asphalt layer having a grayish tint whereas new hail damage will appear fresh with the asphalt layer being a dark black color.

Contact a professional roofing company for a roof inspection. This difference could amount to thousands of dollars depending on the age of your roof. Home insurance policies usually cover roof damage caused by fire vandalism and acts of god such as hurricanes and tornadoes. To ensure approval of your claim keep records of repairs before and after photos and reports from inspections.

A deductible is the amount you have to pay toward a loss before your insurance company pays a claim. Because seamless gutters are frequently feature aluminum or copper construction the signs of hail damage include telltale denting. Hail damage can either be functional or cosmetic in nature.