Hail Storm Damage Lorton, VA
If you live in Lorton, Virginia, then you’re probably used to the type of yard cleanup that comes after things like wind and rain storms. Unfortunately, the other type of storm you may see in Lorton – hail storms – might not be so easy or straightforward to deal with. That’s because unlike a wind storm that blow down trees, rip off loose shingles, or make other types of visible damage, hail storm damage often leaves behind more subtle issues. These issues can grow and become more problematic in time, however, which is why it’s so important to have your roof checked out by a qualified local contractor after each one.
Hail Storm Damage
The biggest problem with hail storm damage isn’t really the damage itself, it’s the fact that you can have a lot of secondary damage if you don’t catch the initial problems right away. Add in the fact that oftentimes, hail damage can be very subtle and difficult to see with the untrained eye, and you can have a serious problem on your hands.
You may assume that if the hail hasn’t cracked your shingles when it hit, that your roof is fine. Unfortunately, only large hail stones the size of golf balls or larger will cause that kind of damage. Smaller hail stones can cause just as many problems as larger ones, but in a very different way.
When a hail stone strikes your roof, it potentially does two things. First, it bruises the mat on the underside of your shingle, causing it to begin to break down more quickly. Second, it loosens up the granules on top of your shingle. Those granules are there to protect your roof from the elements – sun, rain, and wind. Once they get loosened up, the next rain or wind storm that comes through Lorton could wash them away. Now your shingle is exposed and may begin to deteriorate at a rapid rate.
This explains why months after a hail storm that you thought produced no damage, you may see signs of water infiltrating your home. And even long before you see water coming in through the ceiling, that water could be entering your attic, causing problems like black mold and wood rot – very expensive and invasive problems to deal with once they occur.
Because you might not recognize the signs of roof damage yourself, it’s important that you get your roof inspected after the hail has hit. A qualified local contractor can take a look at your roof and determine if there indeed has been damage or not.
If damage is present, your contractor can also assist you with the insurance process to help you get your roof replaced in a timely way – before those secondary problems begin to appear.
Filing an Insurance Claim
Many homeowners are leery of filing an insurance claim after a storm, but it’s usually in your best interests to do so. Unlike your car insurance, your homeowner’s insurance won’t go up if your file a claim. It will go up, however, if your neighbors all begin filing claims for the same storm, so you’re often better off filing than not in this case.
In addition, hail storms are considered an “Act of God”, so the damage they leave is covered by your insurance, and your insurance company can’t drop you if you file for this reason.
When you file a claim, your adjuster will come out to inspect your roof. This involves dividing it into sections and counting how many hail strikes are in each one. Your adjuster has a formula they need to follow to determine if your claim can be approved or not; you need a specific amount of strikes per section to qualify. Your contractor can help you with this process by being on hand to help answer questions or point out less obvious areas of damage to your adjuster.
Once you file, your contractor can also assist you with the rest of the process, including appealing a denial of your claim so you can get your roof back into the condition it needs to be in to protect your home.
Unfortunately not every contractor you may meet after a hail storm is qualified or local. Some contractors, known as storm chasers, will often arrive after a storm in an attempt to cash in on the insurance claims.
Take care not to fall for their tricks: these contractors have no ties to your local community and are often hard to reach in the event of a problem. They often offer no warranties, and in some cases may not pay their suppliers, resulting in a lien on your home. Worst of all, they may leave midway through to go after another big storm before your house is finished. Always ensure that your contractor is reputable, and from this area before you sign.
Call for a Free Estimate
Northern Virginia Roofing has been doing business in the Lorton area for more than 50 years. We’ve handled more than 40,000 jobs – 2,000 of which were hail storm damage related. Our warranties are one of the best in the industry – 25+ years and an A+ rating at the BBB.
We’ve written a book on the topic of hail storm damage – The Ultimate Hail Storm Damage Guide for Homeowners: Learn the Storm Damage Industry Secrets and Avoid Getting Ripped Off. Click here to download a free copy of the eBook.
So call today for a free estimate, and let us help you determine if you’ve had hail storm damage, and what to do about it to ensure your roof continues to protect your home.
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