Here are some commonly asked questions about hail/wind damage.
What does hail/wind do to my roof?
Asphalt shingles are designed with protective mineral granules that block the UV’s of the sun and protect the underlay. Hail damage can cause severe granule loss, material removal at the edges of the shingles and penetration of the shingles; all of which prematurely age the life of the roofing structure. You will be able to see wind damage, as your shingles are probably on the ground or have flown away. Missing shingles can lead to leaks, causing more distress.
Can I tell if I have hail storm damage to my roof, from the ground?
Usually you can’t spot hail storm damage to your roof from the ground. You will be able to easily spot damage to your siding or gutters; and it’s safe to assume that if there’s visible damage to your car, windows, siding or gutters, your roof most likely has hail storm damage too. Since hail damage is not always immediately evident, it’s a good idea to contact a local, professional roofing contractor in Colorado, who specializes in roof hail damage to evaluate the extent of damage after a storm.
Will I need to get my roof replaced right away?
Not necessarily. A new roof may not be required, depending on the hail storm damage. You might only need a roof repair to replace some of the damaged shingles. Even if you don’t need a complete roof replacement, this is a roofing repair job that should be left to the professionals. Replacing a single shingle should be done with the utmost care so the surrounding shingles are not compromised.
If you do need a roof replacement, however, many insurance companies require you to make the claim within a limited amount of time. So if you’ve experienced a loss due to hail damage, it’s best to seek the help of a local, reputable Colorado roofing company, to take care of the problem in a timely manner both for insurance reasons and to be sure it does not lead to other associated problems.
Should I get two or More Estimates from Contractors?
If it’s an insurance claim then the answer is generally, No. Getting estimates for repairs is actually not in your best interest and you are not required to do so. Your insurance company has created their own price list and will only pay for the cost of repairs at the lesser of their fixed price list OR the price you are charged by your contractor. So if their list says they will pay $15,000 for your repairs and your contractor provides them with a final bill for $13,000, then they are only going to pay $13,000 (minus your deductible). The majority of storm damage restoration companies will do your repairs for the amount the insurance company is paying. Your only out of pocket expense will be your deductible. Getting low-ball estimates for your insurance company only saves them money and may provide you with an inferior product.You are legally entitled to use whatever contractor you choose and are not required to gather estimates.
Remember, that all you are going to pay out of pocket is your deductible. That means for $1,000 (or whatever your deductible amount is) you can get a top-quality first rate product from a highly reputable contractor or you can go with the lowest bidder and take your chances.
So by all means, feel free to interview several companies so you can find someone that you are confident will do a great job, use quality materials, and will be around for the warranty period. But when you get multiple estimates or use price as the determining factor, all you are doing is saving your insurance company money and possibly cheating yourself out of the quality job you deserve.