Q: What does hail
do to a roof?
A: Shingles are
designed so that the granules block the UV of the sun
and protect the asphalt underlayment. As the shingles
age the granules fall off over time. As the asphalt is
exposed the UV, it dries out and the shingle gets a
"potato chip" appearance as the corners start to curl
up. A shingle at the extreme end of its life is bubbled
in appearance and is brittle to the touch. A 20-year
shingle is warranted by the manufacturer to have a
useful life, under optimal ventilation conditions, of 20
years. Hail does several things: Accelerates granule
loss. Accelerates shingle aging. Voids manufacturer's
warrantees. Leads to other associated problems.
Q: What does hail
do to my roof and why will my insurance company pay to
replace my roof?
A: Hail damages the
shingle mat, which holds the granules that protect the
mat from the elements. As the shingle expands and
contracts it will lose granules thus, exposing the mat,
which in turn dries out and allows moisture to enter
causing leaks and a eventual complete roof system
Q: How I do I
know if I have hail damage to my roof? Can I tell from
A: If you've had hail
in your area, to determine if the shingles have been
damaged a close inspection of the shingles has to be
made from the roof. Usually you cannot tell from the
Q: In my
adjustment, my insurance company deducted some money
for depreciation, what is that all about?
A: Different insurance
companies call the amount that they hold back different
things. Some call it depreciation; other companies
figure it in as a dump and removal fee. What it
represents is the amount of money the company will hold
back until they receive a signed contract from you and a
contractor for the work. When they receive a signed
contract, you will receive another check for the amount
they have held back.
Q: My insurance
adjuster said there was no hail damage on his first
inspection, I asked AAA Georgia Roofing Insurance
Specialist to call him and request to walk through a
re-inspection with him. On the re-inspection the
adjuster concluded that there was hail damage and
"totaled" the roof. Why such a dramatic turn around?
A: There are many
different reasons that this happens so often. Sometimes
adjusters get to a roof too soon after the actual damage
and the hits haven't had a chance to weather yet.
Sometimes the adjusters are inexperienced. Sometimes
they were tired after looking at so many roofs that day.
Sometimes they just make mistakes. The best results for
the benefit of homeowner seem to be obtained when an
experienced roofer walks through the inspection with the
insurance adjuster and calls to the adjuster's attention
any damage that he sees.
Q: Do I
need to get my roof replaced right away?
A: The insidious
nature of hail damage is that it may pose no immediate
threat to the structural integrity of the roof. However,
many insurance companies have a "statute of limitations"
of how long a hail claim is viable. If you have
experienced a loss such as hail damage it is prudent to
take care of the problem in a timely manner before it
leads to other associated problems.
Q: What does hail
hit look like?
A: A hail hit on a
shingle looks like a "bruise" or a dark spot where the
granules on the shingle have been knocked off and the
asphalt underlayment and sometimes the fiberglass mat is
exposed. New hail hits will have a shiny appearance
because the asphalt has been freshly exposed and has not
had time to weather to a dull color.