23 May Billy’s head- Insurance Restoration
Insurance Restoration, What’s hail-wind damage?
Many people watch nasty thunderstorms, windstorms and hail storms hit their homes every year. The concern of their home taking on leaks, losing shingles, siding or flashings or being damaged by hail are very sincere while the hard rain, wind and hail are coming down. Many times the next day comes and the extreme weather becomes forgotten and we move on with our lives and don’t worry about our home being protected from the elements until the next storm hits- hoping it’s not the one that will make the ceiling fall in.
The reality is, storms in our area do damage to tens, if not hundreds of thousands of homes each year. Older roofing and siding systems become more vulnerable each and every time due to the weakening function of the system as it ages. A lot of these items become much more manageable if they are identified earlier than later. Signs of damage that are jeopardizing the proper function of roofing, siding and gutters sometimes are very glaring, like missing shingles or pulled off gutters, however a lot of damage that is shortening the life, function and appeal of your home overtime is not as visible until it is too late. We many times at night hear the high winds ripping through the exterior of our homes, but as we do a quick “spot check” of our roof in the morning it appears everything is fine, and we move on with our lives. Although 99% of people have no idea what they are looking for- they assume it’s fine if the roof is not falling in, leaking or missing shingles. Here are a couple of damaging effects from a storm that are less apparent than a tree through your living room window:
-Sealant strips broken on your shingle- Blown off Shingles.
Wind will break the seals that keep your roofing system in place and as debris builds up, they will no longer seal back down and will continue to weaken and unseal the shingles around them creating shingles to lift up and unseal in a zipper pattern which can create major damage if left unaddressed. This creates small leaks over time – sometimes undetected or thought little of in hopes that it goes away
-Small hail hits on your shingles- Hail Damage.
The hail stone hits the granules on the shingles which impacts some of the granules deeper and creates a bruise (similar to that on an apple) of the mat of the shingle. This causes the granules around the impact point to be loosened and over time it continues to lose granules at a much elevated pace than it would prior to the hail hitting it. Granules are intended not only for the aesthetic appeal and color of the shingle, but they also deflect the UV rays from degrading the asphalt underneath it. Once the asphalt becomes exposed it alligators and erodes ultimately creating voids that will result in leaking over time.
When a shingle is blown backwards- it creates a crease in the middle-upper area of the shingle, which weakens the shingle likely exposing it to blow off in future wind events and wearing the shingles in the system around it.
-Blown off flashings/damages flashings.
Wind can pull away flashings around the perimeter of our roofs, crating leak points and damaging the inside of our homes. Impacted flashings disrupted by hail may cause issues with ponding water, fractured flashings or broken seals.