Roof damage may not be as obvious as you would suppose. The damage that occurs to your roof is less obvious and more insidious than it might seem. When an asphalt roof is struck with hail, the copper coated stone granules are removed. This is critical. These granules are the ONLY UV protection your roof has, without them you are exposed.

While the damage doesn’t appear severe, this constitutes damage to your roof. Even minor damage like this WILL cause your roof to age prematurely and needs to be replaced. This roof was paid for by insurance.

Here is a wood shake roof that appears to be pretty severely damaged. Believe it or not, the insurance company did not want to pay to replace this roof. This is a good example of a time where it pays to have an expert on your side. The roof was fully paid for by insurance.

Even small dents like these indicate that there was severe enough hail to damage the roof.

Here you see very severe damage. Even while it may appear to be obvious, it can be helpful to have someone meet with your adjuster to ensure that all items are paid for fully so that every damaged item is replaced. If you do not appeal to the insurance company within 180 days typically, if you have damage that wasn’t found, you are out of luck.

Knowing what constitutes damage is very important, as you can see here, these minor paint chips were caused by hail. While they might not look severe, they are indicative of much greater damage to the integrity of the paint and it has to be repainted to fix it. This paint was paid for by insurance. (We may offer to paint your home in these circumstances, but this is something you will work out with our representative based upon your needs.)