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What does hail do to my roof, and why will my insurance company pay to replace my roof?
Hail damages the shingle mat which holds the granules that protect the mat from the elements. As the shingle expands and contracts it will lose granules thus exposing the mat, which in turn dries out and allows moisture to enter causing leaks and an eventual complete roof system failure.
How do I know if I have hail damage to my roof? Can I tell from the ground?
If you've had hail in your area, to determine if the shingles have been damaged, a close inspection of the shingles has to be made from the roof. Usually you cannot tell from the ground.
Do I really need a new roof?
Most hail or storm damage goes unnoticed with observation from the ground. You need a trained eye on your roof to inspect closely for damage. In most cases, hail or storm damage does not cause your roof to leak immediately. It does, however, ruin your roof and you may start having leaks within a few months if it is not replaced.
What would I have to pay for a new roof?
Your insurance company covers the cost of your roof minus your deductible. With normal deductibles, you often have very little out-of-pocket expenses at all. Depending on our current volume of work, we may require a down payment for the material before the work begins. We will then request the balance of the actual cash value (ACV) received from the insurance company for the work completed after each trade. The final balance will be requested once the final check has been received from the insurance company.
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