Contributed by Steve Schneider, President, CB Insurance
The hail storm has passed…now what? It is difficult to determine from the ground whether roof damage has occurred. Most times, a professional roofing contractor is required to make that determination. The roofer will look for “bruising” of the asphalt shingle, granule loss or damage to the edges of the shingle, and actual penetration or holes. For tile and wood shake roofs, the contractor will look for splitting or cracks, and can often repair the individual shingles, rather than a full roof replacement. You may find shingles lying around your property, which is a good indicator that a more in-depth inspection is needed.
Damage to automobiles is easier to spot and—in many cases—easy to fix. Should you have damage to your car, contact your insurance agent to discuss the next steps. This will usually entail taking the vehicle to two or three reputable auto body repair facilities for estimates. Be patient, as your insurance carrier will be swamped with storm-related calls and may take up to 48 hours to contact you. Your agent should be there to assist you if your insurance carrier becomes unresponsive.
Finally, large hail storms will attract “storm chaser” roofing contractors. Be very careful here because most are not experienced roofers and will be very difficult to track down should their workmanship be poor. Most are uninsured, creating additional liability exposures for you as a homeowner. Always work with your agent and insurance carrier to find reputable roofing contractors.