Does Your Home Have Damage from Wind or Hail?

John Robison

A Consumer Advocate gives you a voice in the claims process by assessing and informing you of the true condition of your home’s exterior, before you file a claim. They also offer assistance when you believe the insurance company has missed damage, or if they have devalued or minimized your claim. Homeowners in the St. Louis area are certainly aware of the severe weather we have experienced over the past few years. It is important to understand that damage to homes and businesses is not always obvious and may not be easily detected by the average homeowner – especially high on the roof.

Damage from hail and severe windstorms
Photos on this page show typical damage that can occur from hail and severe windstorms. Impact holes and tattered edges of cedar shingles, denting on a roof vent cap, a dented gutter downspout and a torn window screen help verify hail impact. Hail damage to asphalt roof shingles includes tattered edges, shingle loss, extreme granule loss and penetration holes. Damage from severe winds to asphalt roofs includes lifting, tearing and even missing shingles. A driving hailstorm can also dent the fins of an air conditioning unit.

When the wind gets under asphalt shingles and lifts them, it can pop the glue tabs and nails, causing shingles to tear, not lie down and re-adhere. Damage to shingles can reduce their useful life and also expose cracks where water can penetrate, making the roof vulnerable to future leaks and more severe exterior and interior damage. If the roof is compromised in this way, it is important that it is
completely replaced rather than patched or partially replaced, since there are very likely other areas where the damage is not as obvious.

Damage to gutters can cause leaks that rot the soffits where they are attached or cause water to pour down to the foundation or fill window wells, causing further problems. Damage to air conditioning fins can impair operation, reducing airflow and raising the refrigerant temperature, leading to lost performance and reliability.

Importance of a second opinion
To determine damage, insurance companies will send an inspector to your home, right after the storm or up to several months later. Inspectors often miss these signs of damage, causing claims to be denied or limited to only what the inspector has seen. It is important that homeowners have an advocate who can provide a “second opinion” in the event that their insurance company denies or limits their liability to lesser damage than actually exists. Someone who can guide you through the claim process to make it easier, and assist in getting the maximum benefit your policy allows.

Aspen Touch LLC, is a roof restoration, consulting and design company. It is a local, third-generation contractor and advocate for homeowners, with expertise in storm damage and repair, including not just roofs but also siding, gutters, windows and more.

Aspen Touch helps homeowners streamline the insurance process, while assuring that you get the maximum benefit your policy allows. Many homeowners have found that damage to their roofing, siding and gutters have met their insurance companies’ criteria to authorize full roof replacement. Before contacting your insurance company, you can contact Aspen Touch for a free evaluation and consultation on your home’s exterior and any storm damage. They are fully insured, and have helped numerous homeowners acquire new roofs, siding, gutters and repairs to their properties affected by storms. You can reach their experienced inspectors at 636-220-7700 or by email at aspentouch.rick@gmail.com. You can learn more on their website www.aspentouch.com. clm