Florida’s weather is known for its unpredictability. Many may remember the unexpected hailstorm that blew our way back in March. Though the storm passed rather quickly, it left damage for many homeowners across Brevard County. With this in mind, it is important to understand the facts surrounding hail damage. Though hail is rare in our area, it’s good to be prepared. You never know when a storm could strike.
4 common misconceptions after a hail storm:
I don’t see any damage; I think my roof is okay.
NOT TRUE: To the untrained eye hail damage is not detectable; only trained professionals can truly tell you if your roof is damaged.
My roof is not leaking, so it must be fine.
NOT TRUE: Hail damage is many times very insidious. Your roof may not leak for months after a hailstorm; however, the damage has already been done, and your roof is being exposed at an accelerated rate.
My roof is too old. My insurance company will not cover a replacement if necessary.
NOT TRUE: Almost all insurance companies pay for full replacement on a damaged roof regardless of the age.
If I file a claim, my insurance company will raise myrates, or worse yet, cancel my insurance.
NOT TRUE: Insurance companies can and do look at damages paid out over specific areas and will raise rates on entire zip codes.
Not filing a claim based on the assumption that itwill keep your rates lower is unwise. In fact, a new roof can lower your insurance premium.
3 Important things to know:
1. Free Inspection: Tile roofs are often not damaged to the point of requiring replacement, whereas shingled roofs are much more likely to incur damage, especially if the roofs are a few years old. One should always have their tile roof inspected after a hailstorm. Failure to have a free inspection could cost the owner tens of thousands of dollars. Don’t fail to have an expert check.
2. Signs of damage: Excessive granules coming off of the roof after a rain. Granules on driveways, accumulating near downspouts, in the gutters, etc.
3. Always have someone inspect your roof that isspecifically trained in hail damage: Not everyone, including many roof contractors, understands hail damage.
Best advice: Always be proactive and do not use storm chasers. Call a local company like HippoRoofing LLC, a licensed A+ rated roofing contractor whose principals have completed thousands of damage claims. Ask for a free roof inspection by this reputable contractor.
