If your home was hit by hail and you still have not had a professional roof inspection, don’t worry. Most insurance companies allow you up to 12 months to file a claim. However, waiting until the last minute is never a good idea as your roof plays a vital role in protecting the rest of your home (and your family and belongings within it).
Why Does Your Roof Need An Inspection?
Hail damage can affect your property in many ways. When hail hits roof shingles it can cause soft spots or bruising that may or may not be visible to the naked eye. Hail impacts will also tend to loosen the hard granules that make up the top surface of the shingle. In some cases, hail will cause enough damage to break through the shingles felt matting and cause its fibers to be exposed. Over time hail damage can lead to roof leaks and costly repairs – things that can easily be avoided with a roof inspection.
What Happens If You Miss The 1-Year Window?
It really depends on your insurance company, but in most cases, if the hail damage is old it may be outside of the underwriter’s limits of willingness to cover the damage.
The longer a roof or home goes without an inspection, the more exposed it is to the deterioration caused by hail penetrations and or high winds. If interior damage occurs, and a property owner didn’t have a storm damaged roof inspected or repaired the insurance company may hold the property owner liable. It doesn’t seem fair, but most property and casualty insurance policy states that the property owner must mitigate against further damage. Time is of the essence after a major hail storm and it would be pertinent to have the roof inspected.
Need A Roof Inspection? Don’t Delay. If you’re looking to work with one of the most qualified roofing companies then contact Arnett Construction today!
