Don't Get Soaked
Serving Kane, DuPage, Cook, and Lake counties
If your residential property has been damaged due to a hail storm, contact Midwest Roofing and Exteriors, LLC and put over 26 years of experience to work for you. Check out our FAQs below to learn more about how hail damage affects your roof.
How can I determine if my roof has hail damage? Can I tell from the ground?
Unfortunately, hail damage is not usually detectable from the ground and requires a close inspection of the shingles to tell if they have been damaged or not. If you’ve recently had hail in your area, your shingles should be inspected.
If I think I have hail damage, what should I do?
Call Midwest Roofing and Exteriors, LLC for a FREE inspection! If our experts find hail damage, we will contact you to set up an inspection with your insurance company. Once this inspection is completed, we urge you to contact a reputable roofing company and ask for the same inspection. If there are any discrepancies between the adjuster's findings and the roofer's findings, you may call for a "re-inspection" where your adjuster meets with the roofer to go over the roof together. The process of re-inspection is very common.
When assessing the amount of your loss, the insurance company must determine 2 things:
1. Was the damage to the roof sufficient enough to declare it a total loss? This is usually categorized as 10 verified hail hits per 100 sq. ft. of roof.
2. What is the total size of the roof and how many shingles will be needed in order to replace the roof?
What does hail do to a roof?
Shingles are designed so that the granules block the UV rays of the sun and protect the asphalt underlayment. Over time, the granules fall off of the shingles, leaving the asphalt exposed. This, in turn, dries out the asphalt, creating a “potato chip” appearance and the shingle corners begin to curl up. At the extreme end of its life, a shingle will appear bubbled and brittle to the touch. A 20-year shingle is under warranty by the manufacturer to have a useful life, under optimal ventilation conditions of 20 years.
However, several aspects of hail can shorten the life of a shingle including:
1. Accelerates granule loss
2. Accelerates aging of shingle
3. Voids manufacturer warranties
4. Leads to other associated problems
Do I need to get my roof replaced right away?
The deceptive nature of hail damage is that, although it may not immediately compromise the structural integrity, many insurance companies implement a “statute of limitations” on how long a hail claim is viable. If your roof has suffered hail damage losses, it is of the utmost importance to tackle the issue in a timely manner in order to prevent further damage or other associated problems.
What does a hail hit look like?
A hail hit on a shingle gives the appearance of a dark spot, or “bruise,” which is where the granules on the shingle get knocked off, exposing the asphalt underlayment and sometimes even the fiberglass mat. New hail hits create a shiny look since the asphalt has been freshly exposed and therefore has not had time to succumb to weather and dull in color.
Why would my insurance company replace my roof?
The overall purpose of homeowner’s insurance is to protect you, the homeowner, against losses in the value of your property that is caused by damage that is beyond your control. Hail damage causes a financial loss to your original investment which, for example, would alter the durability and sustainability of a 20-year roof to a reduced lifespan of 5 to 10 years. Since this event is beyond your control, your insurance company would compensate you for your loss and replace your roof.
Why does the estimate read that there are more shingles to replace than there are to remove?
The total amount of shingles to be removed from your roof is the actual amount of square feet needed to shingle your roof. However, in order to account for customization, such as cutting to fit dimensions, ridges, valleys, and hips, the insurance company increases the total by 10% for regular ridge roofs and 15% for hip and ridge roofs in order to compensate for the expected loss of shingles.
My gutters and siding were damaged and the insurance company paid me for how many linear feet had to be replaced. When I called a contractor they had a minimum fee which was far in excess of the small amount the insurance company paid me. What can I do?
Your insurance company takes minimum charges into consideration and has determined a set price that they are willing to pay as minimum charges for all trades. However, since a large percentage of their clients never call a contractor and simply pocket the money, the insurance company will not give you the minimum charge up front. You can simply contact your insurance adjuster and ask for the minimum charge for the work and they will usually pay it without hesitation.
In my adjustment, my insurance company deducted some money for depreciation, what is that all about?
Insurance companies withhold a certain amount of funds, sometimes called as depreciation or "dump and removal fees" that represent the amount of money the company will hold back until they receive a signed contract from you and a contractor for the work. This amount differs depending on the company. When a signed contract is received, they’ll send you another check for the withheld amount.
My insurance adjuster said there was no hail damage on his first inspection, I asked Midwest Roofing and Exteriors, LLC's estimator 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?
Several factors could account for such a shift in inspection results, such as the adjuster being tired from inspecting several roofs that day, perhaps they’re inexperienced, or it could even be because the inspection happens too soon after the initial event that the actual damage isn’t as visible since it hasn’t had a change to weather. Sometimes, they just make mistakes. To ensure you receive the best results, it is recommended you have an experienced roofer walk through the inspection with the adjuster so that any damage can be called to the adjuster’s attention immediately.