Myths and Facts about Hail Damage Insurance Claims

Myths about Hail Damage

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 some one who has training and experience to determine if there is actual hail damage. Insurance companies send their adjusters too special training so they can properly identify hail damage to property, unfortunately there is not much ongoing training for the roofing or home inspection industries.

Myth: I'm not missing any shingles so I must not have damage.

Fact: Missing shingles are related to wind damage claims and can happen during a hailstorm if the winds are high enough. However hail damage is insidious in nature and may not physically cause leakage for years after a hail storm.

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: I was told my roof has minimal or very little damage and therefor I don't need to file a claim.

Fact: If your roof has any damage what-so-ever you have a valid insurance claim and should file with your insurance company. Damage might not cause your roof to leak for years. This is why it's important to have a qualified person inspect your roof.

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 claim, your personal rate increase is paying for every one else's damage except yours.

Click thumbnail to view full-size
Hail Damaged ShingleHail damage effect known as spidering. No clear definition of a bruise.Shingle keyway damaged by hail.Hail that hit the "keyway" cuasing damage on two tabs.The perfect hail hit.
Hail Damaged Shingle
Hail Damaged Shingle
Hail damage effect known as spidering. No clear definition of a bruise.
Hail damage effect known as spidering. No clear definition of a bruise.
Shingle keyway damaged by hail.
Shingle keyway damaged by hail.
Hail that hit the "keyway" cuasing damage on two tabs.
Hail that hit the "keyway" cuasing damage on two tabs.
The perfect hail hit.
The perfect hail hit.

How to Detirmine Hail Damage to Your Home's Roof

 I recently wrote an article on Helium about this topic so please read it to learn more.

Hail Damage!!!

© 2009 RDHayes

Comments 59 comments

EYEAM4ANARCHY profile image

EYEAM4ANARCHY 7 years ago from Las Vegas, NV.

It's pretty good informationally, but it would probably be better if you added some kind context to it; such as hail damages represents **% of insurance claims, costs $**/annually etc. If you really wanted to make it more hub friendly you could take all the info in it and rewrite it in an essay style without the myth/fact style.

Basically, something that works as a salesman's handout doesn't necessarily work the same for general distribution, because it's not such a targeted audience. You have to kinda let them know why they should want read it.


nightlifeblues 6 years ago

There are a lot of great points here,

but I'm not sure I agree with real-time search being discarded.

I agree that it's not verey relevant,

but isn't the point of it to show what people are currently saying about a topic,


larry 6 years ago

I had a hail storm about a year ago and have had 5 or more roof leaks and called the insurance company and have nothing but problems (travelers)!!!!!!!!!!


JP Construction 6 years ago

Good info, no matter what form it is written in. In fact, I personally prefer this format vs essay.


Michael @ Trinity Exteriors 6 years ago

Hayes, great article on the myths vs facts of roof hail damage.

Side Note: If you suspect plagiarism of your content, check out copyscape.com. It's a service that we use, but are NOT affiliated with, to see if and who is copying content and republishing it without authorization.

Cheers


hail damage victim 6 years ago

what's your opinion on letting the contractor you`ve been working with know how much money your getting from your insurance company for the claim, should i feel obligated in telling them?


Kirsten 6 years ago

Carl,

We just had Travelers come inspect our roof today for hail damage and they turned us down too. The adjuster said our damage is "due to weathering" and the "lack of turbine vents" so the roof can breathe properly. Our roof is 15 years old and has 2 layers already, but the adjuster would not work with us to get our roof fixed.


Kirsten 6 years ago

By the way, I can't tell with a 704 area code where you are...but we live in Missouri and just had a huge hail storm the 18th of Sept. Travelers just won't budge...


GeorgeW6 profile image

GeorgeW6 5 years ago from Northern Virginia, USA

Companies in my area are asking homeowners if they can inspect their siding and roof after the May, 2010 hail storm. Yes, nearly a year late, but many people seem to be filing claims and replacing siding and roof.

This article helps me with understand roof damage. So far, I’ve only allowed one company to look for damage and was told and shown that there is damage to the siding. The inspector would not go on the roof, as he said then the insurance adjuster might claim that did the damage. This inspector says his company files the claim for me and then meets the insurance adjust at the property to show him the damage and go on the roof with him.

One part I still do not understand completely is whether or not to have the repair company file the claim. I think I will do that, because I would not be as good explaining the damage, as would the company inspector.

Also, I do not have enough information from the repair company about their contract, references and license/insurance.

I would like someone to do the work, however, since it seems to be need, if I can afford the cost.


CW 5 years ago

georgew6

Let the company man go to bat for you but do not sign anything from them. They are expert at using the system to get money from the Insurance Co's. Make sure to get 3 other bids and check their bbb rating. The co man will tell you that they eat the deductible it is bs the insurance company will take it out of the check they issue and hold back some so that you will get the job done. Depending on where you live and size of home will determine how much they pay out oh and age of roof. I have a 2100 sqf home in north Texas and they covered the cost of a new roof. 10500 in hand 2700 in reserve. That's with getting Duration 30 yr shingles wind 130/10 yr algae . Hope this helps


Joe 5 years ago

To comment on the GeorgeW6' Questions, it is important to receive information from the contractor to do the repair work, such as valid business license, references of work done in the past, and a construction process to repair your damage. Often times they want you to give them permission to work with your insurance company and adjuster to help alleviate the damage as soon as possible. These types of contractors are specialists in storm chasing and structural/ cosmetic repair. They know how to work with the insurance companies to maximize the most repair possible and to ensure that only the proper work is executed under contract. The documents they will have you sign are Subject-To agreements. The contract is valid subject-to the insurance company providing funds to fix your home. These types of contractors work hard to obtain the living they do and often times employ experts in the fields of engineering and architecture to obtain the work. Think of it as these individuals help employ construction workers that might otherwise be unemployed, straining the already volatile unemployment insurance system. To the engineers and architects or older construction workers, this is more of a service to the community than a means of making money or god forbid, a living. Let them help you! A catastrophic insurance claim, including hail damage to your roof, siding, gutters, windows or any other part of your home is a valid insurance claim. It is illegal for insurance companies to raise your premiums because of a catastrophic claim. They may raise your deductible some, but if you are a good client like most people are to their insurance companies, how often are you really ever going to make a claim to repair your home? Seldom if ever. Be a trooper and help out those who could use the work irregardless of how much or little damage you have. This keeps people employed, paying bills, food on the table, clothes for the family and of course insurance payments for the construction workers home, cars, boats, etc. The money just cycles around in circles back to the insurance companies (maybe not yours) and everyone else like it should.

Hope this helps you better understand what is going on.


Bobby 5 years ago

yes, there is good guys out there just trying to pay there bills and feed there kids.i say check refs.


David Polinski 5 years ago

Our area experienced a major hail storm. A Nationwide adjuster determined there were damages to my shingled roof and to my tarracotta roof. They gave me enough money to replace the shinged roof on my garage and a porch. As for the tarracotta the adjuster said the damage was on 100 to 120 square feet. I have that portion of the roof leaking. When i tried to get a roofer to replace the 100 sqft of tile, nobody wanted to. The roofers could not guarantee their patch work. Nationwide told me to get an estimate on the roof. The lowest estimate was $48,000. When Nationwide got the estamate they sent their own roofer to my house. They also agreed there was hail damage. The an expert tile roofer was sent to my home. He also agreed. Finally Nationwide sent a forensic engineer to inspect the roof, He decided there was no damage. Meanwhile I have installed a tarp and my daughter is woken up with water dripping on her at times. I have a document which states " damage to tarracotta roof from hail damage" from a Nationwide adjuster. It seems to me once they received the expensive estimate, Nationwide changed their mind. I do have legal help at this point.


GeorgeW6 profile image

GeorgeW6 5 years ago from Northern Virginia, USA

I would like to say that I had other companies come out, specifically because the original company said that there definitely was damage to the siding. Every one of the companies that came to look said there was no damage to the siding. Since a neighbor did get all his siding replaced by the same company that wanted to deal with my insurance company, I tried to contact them again. That became complicated. Apparently there is one umbrella company that lets others use there name. Two that I managed to contact did not seem to be the company originally looking for my business. Now I forget if they ever came out to look at the house, but I never got new siding or roof put on. Sorry if this is not completely understandable. Everything about the situation was like this.


RBtexmaxx 5 years ago

To the terracotta roof Nationwide is a pain get what ever paper work you have and get a lawyer dont play with nationwide I am a contractor and deal with them all the time sometimes that's all they will understand a good swift kick to get them started I have 2 we are fighting now from last year


Robert Misniakiewicz 5 years ago

I filed a claim for hail damage on my roof. I have Country Financial insurance. The adjuster said it really was not hail damage but the age of my roof. My adjuster turn it over to a consultant. I have an appointment today with the consultant and a roofer. The consultant asked the age of the roof twice. I have dents in my vents and lost a lot of grit this past year in my gutters. Do i have hail damage ?


RDHayes profile image

RDHayes 4 years ago from Denver Author

Age has nothing to do with it. Hire a certified hail damage inspector.


Tom Young 4 years ago

Re: Photo #5, labeled, "The Perfect Hail Hit"

I wholeheartedly disagree with this caption for this particular photo! The "center" of the "hail hit" shows the granules still intact, while the surrounding area has missing granules. Gentlemen, what we see here is classic pigeon poop - nothing more, nothing less; very prevalent in last year's Phoenix storm. Apparently, the acidic nature of bird droppings tends to "etch out" the granuled area, and many, many times will leave a center "island" of intact granules, as shown here.


Dr Roof 4 years ago

contrary to the pigeon poop theory, according to Haag Engineering, photo number 5 is a perfect hail hit. The center of the hit has the granules smashed into the mat and the impact caused peripheral granules to be knocked off. Usually, the center mass is not so large. Also, the age and condition of the shingle has an effect on how the hail affects the mat.

I spent last winter in Phoenix and saw a ton of crap from birds...I saw adjusters circle it as hail many times, until they learned to recognize it.


RDHayes profile image

RDHayes 4 years ago from Denver Author

@Tom Young, with all due respect you don't know you are talking about. Photo #5 depicts a hail hit from the Indianapolis storm in 2006. If you look closely you can see that the mat is nice an black, a clear indication of recent granule loss. I took that photo with an adjuster while we inspected the roof together so yeah, I don't know what you are trying to prove but you can buzz off pal!

@Dr.Roof, this hail was about 3 inches that caused that hit. Thanks for the back up on that. Mr. Young can piss off! LOL


STEVEN THOMAS 4 years ago

Very good piece, please read thru some of the Condominium Insurance Law Blogs as well, you will find your info is right on target


Tim 4 years ago

Is it ethical to claim hail damage on a twenty tear old shingle roof that has fifteen year shingles on it? Many homeowners in my area have received new roofs at 10-20% of the total cost on these roofs. This seems like insurance fraud to me. I mean the homes were ALL built at the same time and shingled by the same guys with the same shingles. My home had a brand new roof and sustained NO damage whike they are all gettiing new roofs for little or no cost. The only people I see making claims are the ones with the twenty year old roofs. Your thoughts?

Thank you.


DFW Hail Claims profile image

DFW Hail Claims 4 years ago

RD knows what he's talking about, more to follow when I get home, typing this on my smartphone on a roof, Googled "why you don't need bids for your roof claim" cause I'm dealing with a homeowner with brain damage from all of the webs misinformation.


RDHayes profile image

RDHayes 4 years ago from Denver Author

I don't believe there actually is any residential asphalt roofing product that has only a 15 year warrant. I could be wrong but I've been in this business far longer then 20 years and never came across a product like this.

File the claim because 1, you need it to be on record, 2, they can just say no.

BTW, do you live in TN?


RDHayes profile image

RDHayes 4 years ago from Denver Author

You should show the contractor your paperwork. Many times I've found gross errors in the adjusters paperwork and had I not pointed this out to my home owner they might have though I was trying to cheat the them and the insurance company.

The pricing isn't anything secret and most professional insurance restoration contractors use the same software that the insurance industry uses.

A large disparity between your contractors estimate and your insurance estimate can be due to omissions in line items and incorrectly measured areas.

So yes, let your contractor see your paperwork.


GeorgeW6 profile image

GeorgeW6 4 years ago from Northern Virginia, USA

Yesterday, almost a year after my initial posting of a question on here, the hail damage chasers visited my neighborhood. I give them that designation because, to my knowledge, there hasn't been any hail here for more than a year, but the same group is soliciting neighbors and myself to allow an inspect ion of our aluminum siding to see if it has hail damage. I refused, as did one neighbor that I know of, but now I see a sign up a few blocks away showing that a company is doing something or other regarding hail damage. Usually these signs prominent display HAIL DAMAGE and then information about a company to contact.


RDHayes profile image

RDHayes 4 years ago from Denver Author

Take a flash light and go out after its dark and shine it down the siding as if you were looking down a pool stick to see how straight it is. If there's any hail damage it will cast shadows on the dents like a negative.


RDHayes profile image

RDHayes 4 years ago from Denver Author

Ask yourself if your insurance policy language has anything about moral issues. Then decide if you should or shouldn't file a claim.


Icanman 4 years ago from Douglasville, GA.

Another way to check for hail damage to siding is to use sidewalk chalk. Lay it flat and swipe it across the panels. If there is hail damage it will show as dimples in the panels. Don't worry you can wash off the chalk with your waterhose.


Chris 4 years ago

Just to check in with possibilities on photo #5. I am a roofing contractor, and I have seen similar hits like that. Only once, did an adjuster tell me that that kind of damage can be caused by a bird, but it is NOT poop. Birds sometimes peck at granules and eat them to help their digestive tract. I know that sounds unusual, but it is true. Photo 5 ALMOST looks exactly like that, except that the damage a bird will cause is usually crescent shaped in nature.. rarely a nice circle form as is shown in the photo. I have to agree, this photo is more than likely caused by hail. Just a tidbit of information I thought you guys might like to read about.


RDHayes profile image

RDHayes 4 years ago from Denver Author

Attention: Debate on the photos being hail damage isn't open for discussion.

THEY ARE REAL PHOTOS OF REAL HAIL DAMAGE PERIOD!

If you reply here saying anything to the contrary I will report your reply as SPAM and delete it.


Wondering 4 years ago

We are in the process of doing some home reno work, and our buddy whose an architect suggested we start with our roof and work our way down. So after receiving many personal referrals for roofing companies (that I then compared to Angie's List) we started having them come out. The first one only had a few reviews on Angie's List that varied from very great, to very poor. This "storm chaser" company came in saying they could get us a new roof, new gutters, soffit, fascia, and siding all thru our insurance company due to hail damage that he clearly saw. He wanted me to sign on the spot and I said no way. He said he needed me to in order to talk to my insurance company, and I said I would make myself available if that should be needed. We then proceeded to get many other roofers out who weren't confident about hail damage on the roof, although it was seen on the siding. This past Friday our claims adjuster came out, and I had the top choice roofer (who had 50 or so reviews on Angie's List, most of which were very positive) meet me the claims adjuster at the house. Our claims adjuster did find damage to the roof, all 4 sides of siding, and a few downspouts. He also mentioned a credit to remove the gutters and gutter guard and have them re-installed (we are going to re-use the gutters but not the guard). We are anxiously awaiting what the final amount will be, especially since we have a sizeable deductible (almost 3K).

My question is regarding whether or not this claim will either get us dropped by the insurance company (USAA) or whether we will have something noted on our home that will make it difficult to sell if/when we decide to do that (which we won't want to after doing all this work on our house)? The claims adjuster did comment on some companies submitting the claim as 2, (ie hail and vandalism) and that he didn't think our insurance company would do that. BUT my sister's husband did sign a contract with a storm chasing siding company and that's exactly what happened! Filed as 2 claims, and dropped immediately. So now I'm getting nervous...


Nate C 4 years ago

"If your roof has any damage what-so-ever you have a valid insurance claim and should file with your insurance company".

I strongley disagree. As an independent agent who has just experienced one of the worst hail storms in years in Louisville, I have some knowledge on this. The first thing you should do is have your roof looked at by an experienced contractor and get an estimate of the damages. And I assure you , this won't be random guy who knocks on your door. THEN assess the estimate vs. your deductible amount and decide whether to file a claim. This isn't the type of property market where you want to be turning in any roof claims under $1K minimum. Pay it out of pocket and save in the long run.

Everyone thinks they should get automatically turn in a claim for the most minor of damage.


Eric M. 4 years ago

Nate C. is wrong. As an independent agent it is nice to see you are trying to protect your loss ratio.

I am a recently retired insurance restoration professional for almost 20 years and everything in this article is spot on. The author can't commit to pricing or how much this costs the insurance industry since the prices widely vary depending on where you live. I live in North Carolina where we just had a significant hail event and we see the hail damage chasers from out of town like crazy.

These are the things to do:

1. If you had a significant hail event, turn in a claim.

2. Call a local restoration firm to also inspect the damage and give you an estimate (don't try the three estimates thing...at this point it is useless...most restoration companies and insurance companies are using the same estimating program, except Farm Bureau and if you have them head for the hills cause you are getting screwed).

3. Compare the restoration estimate against the insurance estimate and see if the insurance company is trying to short change you, or if the restoration company is significantly less expensive.


RDHayes profile image

RDHayes 4 years ago from Denver Author

Nate C,

Of course you can disagree but if you read most policies it states coverage for direct physical damage. It does not however states that there are thresholds for degrees of damage.

So within the policy language there is no such thing as minimal damage or severe damage. Damage is damage and as such its covered, PERIOD. Like it or not.

Also lets note that if a claim is filed and it is denied that's ok. However 4 or 5 years down the road is a completely different story.

Hail damaged roofs sometimes don't exhibit visible damage right away and thus a claim is denied, then year down the road they begin to leak. This causes additional and expensive interior leaking and damage. I actually had a customer just like this. The adjuster had denied the claim 4 year prior but because a claim was actually filed, I had it re-opened. They had to replace the whole roof to include all the rotten decking, and all the repair work for 6 rooms in the house.

So in the end a claim that should have only cost the carrier 4-5k ended up costing 12k plus overhead and profit.

I stand by my words..

If you have ANY damage whatsoever..File the claim.


RDHayes profile image

RDHayes 4 years ago from Denver Author

For some reason the reply button didn't display so please see my response above.

Quote: "Everyone thinks they should get automatically turn in a claim for the most minor of damage."

That's horse crap and you are just encouraging people to not exercise their rights under the terms and conditions of the policy.


RDHayes profile image

RDHayes 4 years ago from Denver Author

@ Wondering,

I would NEVER approve submitting a second claim as vandalism. That does expose you to the risk of having your insurance dropped.

In most states, and you'll need to check with your state. An insurance company can not cancel your insurance due to a weather related event. Again, check with your states insurance commission.

In regards to it being noted in your "file".

The insurance industry keeps a database that's called CLUE. Think of it as the CARFAX but for insurance claims.

This database is available to all carriers and they can view the claim history on any home before deciding to offer coverages. Don't let this scare you into not filing a claim though.


AVanasse 4 years ago

I have a question regarding storm damage to our vinyl siding. In June of 2010 we got hail damage to our roof and home. Our roof was fixed that summer, our siding, however, is still not fixed. Our contractor has copies of our claim and proof that our siding is no longer available. Our insurance doesn't want to pay for new siding. There are definate cracks in the siding of our home, that both the insurance adjuster and our contractor said are from hail. I am worried about further damage from rain and snow from the last 2 years. Do this sound like something we need to hire an attorney for?


RDHayes profile image

RDHayes 4 years ago from Denver Author

AVanasse,

I'm not a lawyer so I can't give you any legal advice. From what I can glean from your message is that you haven't been paid for existing damaged siding and if that is true then your insurance company should pay you.

Depending on the state you live in the laws can vary. Some states require insurance carriers to replace not only the damage siding but also the undamaged sides so you have a matching look. It sounds like you are attempting to get all sides replaced while the insurance company only wants to pay for the damaged sides?


HDPorter 4 years ago

Just want to relate my recent claim experience ...

We had a very localized storm here in GA hit 3 weeks ago, lasting 20-25 minutes -- dime sized hail stones that completely covered lawn and garden beds. Beds looked like they were covered with 1/4" of fresh snow afterwards. Large leafed plants (hydrangeas, etc) were thoroughly perforated.

Roof damage hadn't even occurred to me. (We suffered no leaks afterwards.) However, a "chaser" showed up at our doorstep this week. Because he was thoroughly professional and knowledgeable, I was persuaded to file an insurance claim on the spot (literally over his cell, on the door step) -- deciding that it was better to be safe than sorry, and if a claim was denied, I was no worse for it.

The roofer made an appointment for 2 days later with the adjuster from Travelers, who showed up with his own trained roof inspector. They spent about 2 hours inspecting the roof and then holed up in their respective trucks. When they returned to the house, it was with an approved claim for $13K for replacement of our 4600 sf roof, and an initial check for $8600 ($1000 deductible, and $3500 held temporarily for depreciation -- which would be paid out once the work was complete.

The Travelers adjustor was very friendly and supportive, and in response to my questions explained that there was sufficient damage that the roofing material was at risk for deterioration and it was definitely in the company's interest to approve the claim. Based upon all I've read of Traveler's in the past, I never expected a claims review to go so smoothly. He did explain that while the claim wouldn't result in adverse rate action in itself, that if there were sufficient claims in this area that might cause an increase at renewal.

I was very leery of dealing with a "storm chaser" roofer, but I have to grant him with both extending much needed proactive prompting, as well as apparently understanding exactly how to interact with my insurer for an effective result.


RDHayes profile image

RDHayes 4 years ago from Denver Author

HDPorter,

I am glad you got the claim approved. Believe me it is RARE that an insurance company will pay when they don't owe.

In a way you are lucky the roofing salesmen showed up at your door, otherwise years down the road you could have been left with replacing that monster roof out of your own pocket!


Mayra Jaime 4 years ago

If you have a claims adjuster go out and look at your property, do you have to move forward with the claim? I had my insurance go out and inspect my roof after the tornado weather from a fews weeks ago. They said the roof does not need to be replaced only a few shingles and I will only get $80 after my deductible. Do I have to move forward with the claim?


RDHayes profile image

RDHayes 4 years ago from Denver Author

Mayra, the fact that the insurance adjuster already showed up at your home means you already have a claim filed. They won't come out otherwise.


Megan 4 years ago

I've had hail damage to my roof and the insurance said they are only covering the cost to replace the west side of the roof. Can they only cover little sections? I thought they have to cover the whole thing to make it match so the value of the house don't depreciate. And I also have slate sideing


RDHayes profile image

RDHayes 4 years ago from Denver Author

Megan, yes they can only cover damaged areas in many cases. You need to hire a professional insurance restoration contractor to ensure you are getting a fair deal though.


John 4 years ago

Megan,

Do not "hire" a restoration contractor. Simply have a 2-3 roofers in your area inspect your roof. Although your roofer is unable to "negotiate" with your insurance carrier, they can inform you if they see more damage than your adjuster has accounted for. If this proves to be the case, request a reinspection and a new adjuster.

In most cases, if you have hail damage to one slope of your roof, you will have damage to both slopes. The only exceptions are if your roof is steep and/or protected by its surroundings (trees, other homes, etc.)

Please understand that sometimes hail damage needs to weather to become more apparent. This could simply be an inexperienced adjuster that overlooked the less noticable damage.

Also, the insurance carrier is under no obligation to replace an entire roof regardless of fading, color, staining, etc. Your policy only pays for "direct physical damage", therefore color is a non issue to your insurance carrier.

If you feel you have been treated unfairly at the end of your claim experience, you always have a right to file a complaint with your states Department of Insurance. The Department of Insurance will gather the facts of your claim, request the companies file, and ensure that you have been treated fairly by your policy and the state statues that apply.

I hope this information is helpful.


John 4 years ago

AVanasse,

In regards to an attorney....you will likely be unable to retain an attorney on a percentage basis, and hourly would cost well more than its worth.

Also, your insurance carrier is not obligated to provide an exact match. Your insurance carrier is obligated to compensate you in returning your home to a Like Kind And Quality condition. In the case of siding, this means that your insurance carrier is obligated to locate a reasonable match in color and texture, and an identical match in size. Most insurance carriers will run an ITEL report. If they can locate siding that meets the forementioned requirements, the carrier will not pay for a full wrap of siding(your whole house).

In addition, many carriers have begun to utilize vinyl siding repair specialists such as DR. Vinyl and many others. These specialists advertise that they can repair any siding damage leaving holes no greater than 2" in diameter. All carriers have different approaches to the number of hits that would require the replacement of an elevation vs. repair to the damaged areas. A good rule of thumb is that they choose the more cost effective method. Siding repair specialists in Missouri charge 75-100 for eye level damage, 100-150 for damage requiring a ladder, and 150-225 for damage requiring an extension ladder.

If your carrier is unwilling to estimate reasonable costs of repair that cover the forementioned items, contact the department of insurance in your state. The department of insurance will evaluate your claim and ensure that you have been treated fairly.


John 4 years ago

RD,

Sorry to comment on the photos as I know it must be a dead subject, but I do agree that they are all legitimate hail hits. I appreciate the fact that you have not included photos that show damage near the bottom of the shingle. The only photo I would like to comment on is #4.

This photo is convincing and is legitimate hail damage. Far too often, idependant adjusters will take photos of less convincing hits in the same area of a shingle, and also the bottom edge of the shingle. Claim Managers HATE close up shots of hits like #4, although yours is convincing and would pass review.

I enjoyed reading through some of the posts in your forum. I would like to see you expand topics and add additional photos. It would be nice to see more people attempt to educated the property insurance consumer.

In addition, it would be nice to see some photos of uncovered damage so that people can realize the difference between blistering vs. hail, wind vs. improper installation, hail damaged siding vs. OTHER damages to siding. If siding is knee high or lower, its normally not hail.....lol


RDHayes profile image

RDHayes 4 years ago from Denver Author

John,

In regards to your advice to Megan to not hire a restoration contractor I have to disagree with. More often than not and especially in the roofing industry I've found that roofers mostly don't even know what hail damage looks like and in many cases end up arguing with insurance adjusters over mechanical, footfall, or defective shingles, calling it hail damage. This just causes major headaches for the poor homeowners in the long run. The problem is that there is no real on going training for roofers when it comes to hail and wind damage and that's part of the problem.

Now the reason you need to hire a professional restoration contractor is because they know the ins and outs as to why a carrier could still be liable to replace your whole roof whereas a non experienced contractor will pretty much loose every time again a seasoned adjuster.

Case in point. I had a client who's roof was sloped, that means they had only agreed to pay for certain slopes and not replace the whole roof. After looking at the roof more closely I noticed that the non effected slopes were also the part of the closed valley system that went underneath the opposing slope that finished the valley. Upon pointing this out to the 3 adjusters that met with me they conceded and paid for complete replacement.

So John, sorry but the chances of a regular roofing contractor being able to point this out and present it in such manner as to get the insurance company to capitulate is going to be rare.


JE 4 years ago

My parents are retired and where they live they had a rather severe hail storm over a year ago that resulted in some other homes in their neighborhood getting new roofs. For whatever reason, they didn't pursue anything on their own with their insurance company and have put up with a couple of leaks and had one spot patched by a friend.

Recently, a representative from an area roofing company show up at their house unsolicited and told my dad he wanted to inspect his roof for free. He inspected the roof and left, noting that hail damage was a problem and he could get their roof replaced by their insurance company. After leaving, the roofing company called back and got my parents to give them their insurance company and policy number.

The next day they returned and had the insurance company's adjuster meet them at my parents house and they both went onto the roof and inspected again. The adjuster came inside and immediately wrote my parents a check for what I believe should be enough to replace the roof (not including potential damage that may be hiding beneath two layers of shingles).

The representative from the roofing company had my dad sign a contract that stipulates my parents must hire this company to do the work or they'll have to pay the roofing company a certain percentage of the job. My parents have not received a written (or verbal for that matter) estimate of what the roofing company thinks it will cost to replace the roof.

The roofing company is pressuring them to set an appointment for someone to come out and help them choose shingles, go over cost, and schedule the job but my mother is leary about not knowing in advance what the cost estimate is and not having the opportunity to get competitive bids. They have not cashed or deposited the check yet.

Is this common and acceptable protocol? It just sounds shady to me.

Any advice is appreciated.


RDHayes profile image

RDHayes 4 years ago from Denver Author

Unless they actually signed something that says they agreed to let the roofing company actually do the repairs I don't believe they are on the hook for anything.

Sounds like the roofing companies business practices are a little unethical to say the least.

I never started work until I had an agreed price with the insurance company and that price was reflected to the penny on the repair contract with my customer.

In your situation, I'd find another roofing company.


station89 4 years ago

I had roofing damage, ins adjuster came out and said he would repair part of the roof that was damaged. Is the insurance company required to replace the whole roof? I am concerned about color match and a constant level because they will have to tear off two layers to repair what was damaged. Live in Ohio


paulklearman 4 years ago

We had a recent hail storm in St Louis, Missouri. Two story shingle roof with hail damages agreed to by American Family Insur. Co. The roofer states that he is unable to install a new shingle roof as the roof decking/plywood roof is no longer able to support a new shingle roof and his roof crew as plywood bows when walked upon. The carrier noted states that they only owe for the peril of hail and as roof decking not damaged by hail, no coverages afforded. I have heard that you must have a "nailable surface" for replacement of same. How/what do I state to this carrier in order to obtain their assistance for a new plywood roof decking? Thank you. Paul (this would be considered hidden damage to decking) Details plese/thank you again for your assistance


RDHayes profile image

RDHayes 4 years ago from Denver Author

Having two layers won't pose a problem. Also if you live in the Dayton area you should get a in touch with Rembrandt Enterprises.


RDHayes profile image

RDHayes 4 years ago from Denver Author

If the removal process causes damage to the existing decking due to age then the insurance company owes for that.


alof 4 years ago

We live in Colorado. Our roof is 12 years old. It had already issues with spongy deck and 3 layers.. We had a large wind storm in Feb, 2012 that made several shingles to flap up and fence pushed to 45 degree. Started getting "storm chasers" since March. Finally went with one and Traveller adjuster OKyed for 6600 (1000 deductible) for our 1800 SQ Ft roof. They have to tear off 3 layers and install 25 year shingles. The adjuster told that he will approve more money if the deck need to be replaced. Looking at the other comments here, I feel that $6600 estimate for 1800 sqft is a bit low. In addition, they offered to take 500 out of my deductible for displaying their advt board. However, the roofer told it is fine. I have a fear that the roofer might cut corners. My question. Is this a reasonable estimate for a 1800 sqft roof ?


thunderburk 3 years ago

To preface, I am a contractor. A customer of mine is having a terrible problem with his insurance carrier of record from a storm last year. Conducted an inspection with an adjuster and pointed out clear hail damage on all four sides of siding. It was the same on many houses in the neighborhood. Typically ins. companies will at least award 2 or 3 sides to a homeowner in instances like this, but because there was damage to 4 sides, the result of the adjuster's inspection led him to conclude that it was vandalism. Clearly, this company is giving this guy the run around. He did have a new roof put on several years ago and the damage was covered by insurance. I would suspect that some of the hail damage on his siding was from that storm, but was overlooked at the time. Now he has legit damage on four sides and they want to classify it as vandalism. Does the homeowner have any recourse because the insurance company clearly is defrauding their, in this case, former customer?


OffeneTab 15 months ago

Fantastic article. Looking forward for more posts like this.


gepeTooRs 7 months ago

Excellent activity, cheers

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