If your Oviedo insurance adjuster says “no hail damage” and denies your claim, what are the next steps you can take? We’ll answer that question and more in this blog.
Hail can cause a lot of problems for your roof, and is more common than you might think. In 2020, over 6.2 million properties in the United States sustained hail damage. Although you might think of hail damage as a giant dent in the hood of your car or a broken window, the less noticeable damage from a hail storm can end up being the most expensive to fix. If you’ve filed an insurance claim and your Oviedo insurance adjuster says “no hail damage,” don’t worry. You have options, and Advantage Roofing can help.
Will All Hail Cause Roof Damage?
Hailstones don’t need to be oversized to leave a mark. While most hail is smaller than a quarter, a hail stone that is 1.5 inches in diameter or larger is all it takes to cause severe roof damage. Besides the size of the hailstones, there are additional factors that can determine the amount of damage to your roof, like:
- Wind speed
- Wind direction
- Age of the roof
- Roofing material
- Roof slope
- The presence of trees or other obstructions
What Hail Can Do To Your Roof
When your Oviedo insurance adjuster says “no hail damage” after you’ve been through a major storm, what they might mean is that the damage to your roof is purely cosmetic. We’ve been in the roofing industry for over 30 years, and it’s taught us that sometimes roof damage that looks cosmetic is a lot more severe than you think.
- Granule loss occurs when large hailstones knock the small pebble-like granules off of an asphalt shingle. The granules offer protection
from the elements, and when they are stripped from the shingle, it can reduce the lifespan of your roof. - Exposed or damaged underlayment can be a side effect of the high winds typical during a hailstorm. If the shingles are falling off of your roof, you will want to get it thoroughly inspected for any signs of additional damage.
- Holes can be caused by extraordinarily large hailstones, which create roof leaks.
Steps To Take If Your Oviedo Insurance Adjuster Says “No Hail Damage”
When you file an insurance claim after a major storm, and your Oviedo insurance adjuster says “no hail damage” and denies your claim, it’s not a dead end. Contact a roofing company that has experience working with insurance companies… a roofing company like Advantage Roofing.
We’ll send one of our roofing specialists to your property for an inspection, and if our inspection shows damage to your roof, we will request a re-inspection from your insurance company. Our roofing specialist will be present at the re-inspection to go over any findings with your insurance adjuster. We frequently work closely with insurance adjusters and can establish open communication to determine the best possible outcome.
If your Oviedo insurance adjuster says “no hail damage” and you don’t agree, contact Advantage Roofing today for a second opinion.