Hale damage to shingle roof.. Any roofers around?

[thatguy]

My in-laws live in Knoxville TN and the area had a horrific hail storm come through in the spring and most every home there is getting a new roof..

My in-laws roof is only 3 to 4 yrs old (asphalt 30 yr shingles) and the insurance company has paid them about 80% of the cost of a new roof. If they have it replaced within 2 yrs the ins co will also pay the other 20%..

They were told that the hale loosened the pepples (for the lack of the proper word) in the shingles, which would cause the roof to leak sooner. 'Sooner than what' was not discussed.. this was also suppose to cause the roof to stain (theirs is brown and does show staining, but they also live pretty much under trees, so the sun doesnt hit it that much)

Can someone tell me what the 'real' damage hale would cause to an almost brand new roof?

Would you recommend replacing it or pocket the money and let it live out the rest of its natural life?

thanks

brian

 

[murphy1244]

Would you recommend replacing it or pocket the money and let it live out the rest of its natural life?
Why take the check if the roof is not damaged???? This is why I pay too much for insurance.

 

[lilranch2001]

My in-laws live in Knoxville TN and the area had a horrific hail storm come through in the spring and most every home there is getting a new roof..

My in-laws roof is only 3 to 4 yrs old (asphalt 30 yr shingles) and the insurance company has paid them about 80% of the cost of a new roof. If they have it replaced within 2 yrs the ins co will also pay the other 20%..

They were told that the hale loosened the pepples (for the lack of the proper word) in the shingles, which would cause the roof to leak sooner. 'Sooner than what' was not discussed.. this was also suppose to cause the roof to stain (theirs is brown and does show staining, but they also live pretty much under trees, so the sun doesnt hit it that much)

Can someone tell me what the 'real' damage hale would cause to an almost brand new roof?

Would you recommend replacing it or pocket the money and let it live out the rest of its natural life?

thanks

brian

I am not a professional roofer, but common sense tells you that if a hard asphalt shingle is hit on a chilly day with balls of ice, it is going to do a certain amount of damage.

Asphalt on a chilly day is not very flexible and it will loosen or even chip the protective aggregate layer

To what extent, only someone that can inspect the rood would be able to tell

I would trust that if the insurance company is willing to pay for a new roof, you can bet that the roof took a beating and probably needs replaced soon

 

[ray66v]

The whole hail damage to the roof thing, at least in this area, is a total BS scam. I have refused to participate in this, as both a contractor, and a home owner.

Every roof here has gravel in the gutters, it's called normal wear and tear.

Now, maybe in Kansas or Oklahoma, where they get softball sized hail occasionally. It's possible. Maybe.

I can show you 20 year old roofs, where I used to live nearby, that are almost 30 years old, and have had more than their share of hail on them.

Who can resist a contractor knocking on their door and offering them a brand new roof, for very little cost? Answer, almost no one. So, these contractors watch the weather, and invade neighborhoods on any report of hail, declaring every roof they "inspect" damaged.

These contractors are exploiting a loop hole in the way these policies have been written. The problem is, it is costing every home owner, including the ones who see this for what it is, a lot of business for the contractors.

And the reason the insurance companies are going along with this is two fold. First, as I said, the way the policies were always written, the wording makes it difficult to deny the claim, because it is strictly a judgment call. Second, policy holders feel ripped off when their neighbors all get new roofs, and their company does not agree to go along with it. So, they don't fight, since they can pass the cost on.

The solution is simple, but the insurance companies are all waiting for the other ones to go first. Hail damage coverage needs to be split off to a rider that you either agree to pay for, or you should have the option to refuse to participate in this sham, sign off declining "hail damage" coverage and receive a discount.

Eventually this will probably happen. In the meantime, continue to look forward to large annual increases in premiums in most areas, to cover the ordinary wear and tear on your neighbors' roof.

 

[murphy1244]

Ray, That what I feel.. This is a total scam onus home owners . I sometimes think the insurance companys are in kahoots with the contractors.

 

[Duffster]

Anybody that doesn't think that hail damage is a real thing can't really have a clue.

Severe hail damage will cut through the shingle and even break the "tabs" off the shingles.

Less severe damage simply shaves life of the shingle.

Often the damage isn't visible until after a good hard winter with a lot of freezing and thawing. The freezing and thawing will dislodge the gravel that has been already loosened by the hail.

 

[ray66v]

Ray, That what I feel.. This is a total scam onus home owners . I sometimes think the insurance companys are in kahoots with the contractors.

Sure, sometimes, the contractors are kicking the appraisers and inspectors, some money back, to let them pad the bill.

But, the main office has no way to be involved. And they are the ones who are allowing this, and need to stop it.

It's just like credit card fraud. Everyone at the credit card companies knows that is happening. They could do more to stop it, and save us all money, but they don't. They just pass the cost on, and look the other way.

Business as usual, don't rock the boat. :thumbsup:

 

[Bird]

I had one roofing company inspector say I had damage and the roof needed replacing (30 year shingles 20 years old). The insurance adjuster (contractor instead of insurance company employee) said it was only the back side of the peak. So the roofing company inspector's supervisor met an insurance company employee adjuster here and after inspecting it, they both agreed only half my roof needed replacing.

I had a different roofing company inspect it and that guy said he could see the damage and that it would "eventually" leak, but would probably be at least a year before it started to leak.

So I did have that half of the roof replaced.

 

[ray66v]

Anybody that doesn't think that hail damage is a real thing can't really have a clue.

Severe hail damage will cut through the shingle and even break the "tabs" off the shingles.

Less severe damage simply shaves life of the shingle.

Often the damage isn't visible until after a good hard winter with a lot of freezing and thawing. The freezing and thawing will dislodge the gravel that has been already loosened by the hail.

Not talking about clear and obvious storm damage, such as broken, or missing shingles.

I'm talking about you have gravel in your gutters, so you need to replace your roof.

I have been on roofs that were deemed "damaged" by hail, to the point of needing replacement, that had absolutely no unusual wear, or apparent signs of damage. The only evidence they can point to, in support of their claim, is a minimum amount of gravel in the gutters, which can be found commonly on any home with a shingle roof.

 

[lilranch2001]

Not talking about clear and obvious storm damage, such as broken, or missing shingles.

I'm talking about you have gravel in your gutters, so you need to replace your roof.

I have been on roofs that were deemed "damaged" by hail, to the point of needing replacement, that had absolutely no unusual wear, or apparent signs of damage. The only evidence they can point to, in support of their claim, is a minimum amount of gravel in the gutters, which can be found commonly on any home with a shingle roof.

Well I guess you did not make clear your point. I mean...... what exactly does "BS SCAM" mean?

I read your initial post (paraphrasing) There aint no way in h e double hockey sticks that that hail can damage roofs.

All asphalt roofs have aggregate in gutters, brand new one will.
But if you had a cold enough asphalt roof and large and intense enough hail, I am quite sure the roof could be damaged.