Insurance Restoration- what is hail wind damage?

Many damaging storms occur each year in the Chicagoland area, creating both functional and aesthetic damage.  Unfortunately, many times this damage is unknown to a homeowner until it may be too late.  Effects of weather damage may go undetected and not be realized by a homeowner until visual damage occurs, such as leaking, missing shingles or what seems to be pre-mature roof aging.  Many insurance carriers have a 1 year statute of limitations for putting in a residential claim due to an isolated weather event.  The reality is unless your roof is professionally inspected for damage after high wind exposure of 60+ MPH or any size hail you may be losing upwards of 50% of life from your shingles and roof components.  On average this would cost $10-$12K to an unknowing homeowner, many years before the roof would have to be replaced if the initial damage had not occurred, all the while paying premiums for roof coverage that will no longer be covered if discovered outside of the 1 year period.  The root cause of the roof failure would likely have been covered by the carrier if there was an initial inspection to identify the underlying damage with a knowledgeable, licensed, professional contractor.

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 Shingles

Strong winds can break the sealed bond of shingles as wind gusts disperse up a roof slope.  Every shingle needs to be sealed on each course of a roof to  maintain both water shedding and water proofing principles.  Once a seal is broken by wind, it many times will pull up large chunks of the underlying shingle mat.  This creates voids where water can leak through to the living area and becoming very susceptible to wind driven rain and continued shingle deterioration at an extremely high rate.

Small Hail Hits on your Shingles

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.

Creased Shingles

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 and/or Damaged 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.