If you are a homeowner in Indiana, then you need to be aware of the frequent hail storms that occur in the state and how this hail can affect your roof. Between the years 2017 and 2019, the
state of Indiana ranked number nine in the list of states with the greatest number of hail loss insurance claims due to home hail damage. One component of a home likely to become damaged
during a hail storm is the home’s roof.
However, if you are like many homeowners, you have misconceptions about how hail can affect a roof that may prevent you from preventing, detecting, and repairing hail damage as you
Read on to learn the truth behind four common misconceptions about how hail can affect a roof and the truth behind them.
Myth #1: Hail Rarely Severely Damages a Roof
While not all hail that falls onto a roof damages it, some types of hail can. Several factors affect how destructive hail can be to a roof. These factors include the size and density of the hailstones,
along with whether the stones simply fall onto your roof or are propelled at your roof by high- speed winds.
Very small hailstones the size of a pea or marble are unlikely to damage a roof unless they are very dense. However, stones about 3/4-inch in diameter or larger can crack clay and slate roof
tiles, split wood roof shakes in half, and even completely puncture asphalt shingles, even if they are low in density.
Also, keep in mind that is not uncommon for golf-ball sized or even larger hail to fall from the sky, and these very large hailstones can be very destructive to a roof.
Myth #2: Hail Damage is Always Obvious to a Homeowner
While some types of roof hail damage can be easily noticed from the ground, some types of damage are less obvious.
For example, hail that hits the surface of asphalt shingle can knock granules off the shingle surface. If shingle granules are black like the asphalt mat underneath, you may not notice these
missing granules that protect the asphalt mat under them from the sun’s UV rays and other outdoor elements to prevent shingle deterioration. In addition, you could have cracked tiles or
even punctured shingles that you simply cannot see from the ground.
To ensure no hail-inflicted roof damage goes undetected after a hail storm, have your roof inspected by a professional roofer or insurance adjuster after every bad local hail storm. You can
then have necessary roof repairs made before existing damage worsens over time.
If you would like to, you can check for signs that your roof has likely suffered hail damage before having an expert examine your actual roof. These signs include shingle granules inside of
your home gutter system, new dents in your aluminum gutters and/or siding, new chips in exterior home paint, and large hail spatter marks on any exterior home surface.
The presence of shingle granules in your gutters signals that hail likely knocked these granules off your shingles. Other signs of potential roof hail damage indicate that the hail that fell during
the storm was large and heavy enough to damage other exterior home surfaces, so it may have damaged your roof, as well.
Myth #3: Metal Roofs are Hail Damage-Proof
While many types of metal are extremely impact-resistant and difficult for hail to damage, some metal roofs are prone to the development of dents and depressions upon hail impact and some
can even be punctured by large, dense hailstones.
To ensure your metal roof is as resistant to hail damage and cosmetic denting as possible, choose a roof made from galvanized steel with a class 4 impact-resistance rating. Steel is a very hard
metal that is difficult for hail to damage or even dent.
In addition, roof materials with a class 4 impact-resistance rating have been tested by an independent organization called the Underwriters Laboratory (UL) and given the highest impact-
resistance rating the organization provides.
Roofs made from other metals, such as aluminum and copper, are typically not as hail damage- resistant as galvanized steel roofs due to the malleability of these metals. When hail hits the surface of a roof made from a malleable metal, the impact can leave a dent in the roof and, if an aluminum or copper roof is relatively thin, dense hail that falls at high speeds can even puncture
Myth #4: You Must Pay for Hail-Related Roof Repairs Out of Pocket
The cost of the repair of most hail related roof damage is covered by the majority of homeowners insurance companies. Many insurance companies will even inspect your roof for damage after a
hailstorm at no cost to you, whether or not hail damage is ultimately detected.
However, be aware that many homeowner’s insurance companies will not cover the cost of repairing hail damage that is cosmetic in nature and does not affect the overall integrity of your
roof, such as small dents in aluminum roofs.
Every homeowner in Indiana should understand how hail can damage a roof, how to avoid this damage, and what to do when they suspect their roof has been damaged by hail. Forget these
four common misconceptions about how hail can affect a roof and contact the roofing experts at the Indy Roof Company to schedule repair of hail-inflicted roof damage today.