Hale damage to shingle roof.. Any roofers around?

[thatguy]

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.

I totally agree, BUT the insurance companies were giving everyone a check for them depreciated value for anything damaged (cars, decks, windows, siding, roofing)..

I had no idea that is how it works for big ticket items, I assumed they would only pay for when it was repaired..

b

 

[JB4310]

I've worked on roofs all my life and have never seen hail damage, I'm not saying it can't happen with large size hail, but we don't get that here.

So yes there is undoubtedly crazy amounts of fraud with home owners insurance claims, not just hail but all aspects of home owner's claims.

We had a little hail storm a few years ago and all these freelance adjusters and roof company salesmen were swarming the area. They told slate roof owners they were susceptible to premature failure, some of these roofs are 80+ years old :confused2: I went on one roof for a second opinion, the roof had white paint marks all over it, where it supposedly had $40,000. of hail damage. I could not find any evidence of hail damage what so ever.

I bid on an ice dam damaged copper gutter and slate roof job, after last winters heavier than normal snow fall. I bid $6,000. for the needed repairs. The insurance adjuster brought in another contractor and scope and cost went up to 20+ grand, I couldn't believe it, I thought it was the job of the adjuster to keep the costs down.

Total scam, the home owner didn't care cause they felt like they were making out, having 80 years of wear and tear, and deferred maintenance work down for a $500 deductible.

Having said all that I don't have a big problem with OP getting a check for his roof, especially if if he's not sure there is damage or not. I would pocket the check and hope for the best.

But most likely if you don't see damage, there is no "hidden" damage with a asphalt shingle roof. The gravel/granules protects the asphalt saturated base paper from UV light, which is the killer of all roof materials.
So if you did lose significant amounts of gravel, it could shorten the serviceable life of the roof.

JB

 

[thatguy]

I had to google to find storm details but here is what i found - the hale storm was 4/27/11 and in the Knoxville area had hale up to 4" in size..

Here are a few pics of damage so you can see how bad some of the hale was..

Wesley Place-Hailstorm Damage, April 27, 2011

brian
brian

 

[Duffster]

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

Neither am I. You don't need gravel in the gutter to have hail damge.

 

[JB4310]

I had to google to find storm details but here is what i found - the hale storm was 4/27/11 and in the Knoxville area had hale up to 4" in size..

Here are a few pics of damage so you can see how bad some of the hale was..

Wesley Place-Hailstorm Damage, April 27, 2011

brian
brian

If it were even 2" hail, like it looks in the pictures I would expect damage. But those pictures don't show alot on the ground so if it was very short lived that would limit the damage of course.

I've seen 1/2-1 inch hail that covered the ground with an inch or so deep. where every surface is completely covered, doesn't look like that in your pics, so I'm thinking that was a quick hit???

JB

 

[JB4310]

OK I didn't see all the pictures. only saw the first few at first.

Looks like a bomb went off, definitely roof shingle damage. would have to see it closer before I said for sure not to replace it yet.

But all the other damage is gonna keep you busy for awhile anyway, so you have time to think about it.

Hope they wrote you a big fat check!

JB

 

[caver]

I had hail damage on maybe a 10 year old roof. It had pock marks in numerous shingles. I probably still have the pictures on my old computer. Hail wasn't super huge as it only left a few dents on the camper and truck.

 

[ray66v]

Neither am I. You don't need gravel in the gutter to have hail damge.

Wha? Of course you can have damage without gravel in the gutters.

Your don't seem to be following me.

I AM talking about the contractor using the fact that there is gravel in the gutter, as evidence of hail damage, requiring roof replacement, when that is the only evidence.

The problem is, that standard means you can claim virtually every roof on any given street needs to be replaced. And that is what these guys are doing. Everyone in the whole neighborhood who signs on, gets a new roof.

As a result, insurance rates are increasing rapidly. I spoke to may agent about this last summer, and the dollar amount of the payouts for this, are staggering.

Do you remember entire neighborhoods getting new roofs after a storm, when you were a kid? Not talking about a tornado, I am talking about a thunderstorm.

I lived in 3 different neighborhoods, and we had lots of bad storms over the years, never happened, because it wasn't necessary.

Some of the worst shingles ever made were, made in the 70's and early 80's, never saw it happen then either.

 

[thatguy]

If it were even 2" hail, like it looks in the pictures I would expect damage. But those pictures don't show alot on the ground so if it was very short lived that would limit the damage of course.

I've seen 1/2-1 inch hail that covered the ground with an inch or so deep. where every surface is completely covered, doesn't look like that in your pics, so I'm thinking that was a quick hit???

JB

the pics my nieces took showed it to be +4" or so deep - BUT im not sure if that came off of their roof and piled up or was all over that deep

Brian

 

[Duffster]

I AM talking about the contractor using the fact that there is gravel in the gutter, as evidence of hail damage, requiring roof replacement, when that is the only evidence.

Sorry I don't believe that the insurance companies are paying based solely on that.

They know when and where the hail storms have been.