Hail damage can be tough to diagnose but, if left unattended, can result in serious long-term problems including water damage, roof replacement, new siding or window replacement.
Hardly a day goes by through the spring and summer months when we don’t hear of severe storms potentially producing hail in Madison WI. Anytime there’s a thunderstorm, there’s a chance of hail damage.
Damage from hail stones as big as baseballs is easy to see, but not all hail damage is that obvious. The roofing and remodeling specialists at Sims receive many phone calls after severe weather rolls through Madison WI, and one of the leading questions is “How do I tell if hail has damaged my roof?”
The only way for a Sims professional to provide an accurate answer is through an on-site inspection. This is especially true if the hail damage may result in an insurance claim requesting a roof replacement. Below are some guidelines to help you assess potential damage…
Determining Hail Damage For Insurance Claims In Madison WI
There are four primary indicators insurance adjusters usually consider when determining if a roof has been damaged by hail. One, some or all of the factors may be required, depending upon the individual company or adjuster.
When inspecting for hail damage, insurance adjusters in Madison WI will look for the following in this order:
- Missing Granules — Granules are the small, sand-like pieces on shingles giving the roof its color. The areas where they are loose or missing can be easy to spot. When a hail stone hits the roof they can either knock granules loose or push them into the shingle itself. Either way, the result is exposed areas showing the black substrate layer. This damage usually show up as a dark circle or scuff marks.
- Bruising — A close examination of the spots with missing granules can reveal bruising. That means the spot feels soft or spongy, indicating the asphalt shingle has hail damage.
- Mat Breakage — When shingles are hit hard enough the fiberglass matting the asphalt shingle is built around will break and the resulting cracks allow water to penetrate. If the area of your roof under inspection has loose or missing granules, shows bruising and has broken mats, there is little doubt that this is hail damage.
- Damage Pattern — If the section of your roof being inspected for hail damage shows these three previous signs of hail damage, especially in a random pattern across the roof, the conclusion is likely the signs are the result of hail. With this finding in hand, the insurance adjuster usually recommends to the insurance company a full roof replacement is needed.
Evaluate Collateral Hail Damage
As part of an inspection, Sims professionals and an insurance adjuster will consider all the potential related damage to your Madison WI property. Damage to other areas and structures is considered collateral damage – or, damage not directly related to the roof. This damage can include hail hits to adjacent buildings including dents to your home’s facia, gutters, vents, valleys, windows and siding.
Taking in the entire scene is critical when not all of the primary factors related to roof damage are easy to spot. If other areas have suffered obvious hail damage but, for example, the shingle mat isn’t completely broken, this additional evidence can sway an adjuster’s decision in favor of roof replacement.
Hail damage isn’t always easy to diagnose and it can result in serious long-term problems that can include roof replacement, new siding or window replacement if left unattended.
At Sims Exteriors and Remodeling we are window replacement and roof replacement specialists serving the Madison WI area including Middleton, Waunakee, Fitchburg, Oregon Verona, McFarland, Stoughton, Cottage Grove, Sun Prairie, Deforest and all of Dane County.
Call 608-825-4500 or email for more information about an on-site inspection for hail damage in Madison WI.