The short answer
What Roof Product Coverage Includes
A roof's manufacturer coverage is a statement about product quality, not protection against all damage. It typically covers flaws in the shingles or materials themselves. Damage from external events like hail, wind, or falling branches is considered an act of nature. Such storm damage falls under your homeowner's insurance policy, not the product's terms. This is a key distinction to understand before you contact your insurer.
If hail cracks your shingles, the product coverage does not pay for their replacement. It would only apply if the shingles failed on their own, like if the granules washed off prematurely. Knowing this distinction is important before you contact your insurer. You will need to show the damage is from hail, not a manufacturing flaw.
The Insurance Claim Process for Hail
To address hail damage, you must file a claim with your homeowner's insurance. Your insurer will send an adjuster to inspect the roof and assess the damage. They determine if the damage is sufficient to warrant a full or partial roof replacement. Policies vary, and your insurer decides what is covered. This process is separate from any product coverage.
The insurance payout should cover the cost of repairs minus your deductible. You then hire a qualified roofing contractor to perform the work. Keep all documentation from the inspection and repairs. This paperwork may be needed for any future issues related to the original materials.
How Unrepaired Damage Impacts Warranties
Leaving hail damage unaddressed can create problems for your product coverage. Small cracks or bruises from hail can let water seep under the shingles. Over time, this moisture can cause rot, mold, and leaks in your attic. Subsequent leaks from this water intrusion are not addressed by the manufacturer's terms.
The product terms assume the roof was installed correctly and maintained properly. Water damage from unrepaired storm impact is seen as a maintenance failure. This could give the manufacturer a reason to deny a future coverage request. Prompt repair protects both your home's structure and the standing of your product terms. It helps prevent more costly interior damage.
Working with Roofing and Restoration Pros
After an insurance claim is approved, you need a reliable roofer. A qualified contractor will assess the hail damage and provide a detailed scope of work. They should follow the manufacturer's installation guidelines to keep any remaining product terms in effect. Their work may come with its own separate assurance on the installation quality. This helps ensure a proper repair.
If water entered your home, local water damage pros can dry out the structure. They address wet insulation, drywall, and framing to prevent mold. These two trades often work in sequence. A full restoration fixes the roof and repairs any interior water damage.
- A roofer replaces damaged shingles, flashing, and underlayment.
- Water damage pros extract water and use air movers and dehumidifiers.
- They check for hidden moisture in walls and ceilings with meters.
- Mold prevention is a key part of the drying process.
- All repairs should be documented for your records.
- Keep receipts and reports from both the roofer and the water damage pros.
Steps to Protect Your Investment
Start by getting a professional roof inspection after any major hailstorm. Do not assume damage is visible from the ground. An inspection documents the condition and provides evidence for your insurance claim. This report is crucial for starting the repair process correctly.
Review your roof product coverage documents and your homeowner's insurance policy now. Know what each one covers before disaster strikes. Being proactive helps you navigate the claims process smoothly. If you live in a wet climate, consider that prompt leak repair is especially important to prevent further damage. Understanding your coverage in advance saves time and stress later.
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Call Now (503) 224-3149Frequently asked questions
Will filing an insurance claim cancel my roof product coverage?
No, filing an insurance claim for hail damage does not cancel the manufacturer's product terms. The product coverage and insurance are separate agreements. The product terms address product failure, while insurance covers accidental damage. Using insurance to pay for repairs is standard practice.
What if my roof is old and already has some wear?
Insurance may only cover the depreciated value of an old roof, not a full replacement. The adjuster determines the roof's condition and remaining life. The product's terms of coverage may also be based on the roof's age. A professional inspection clarifies your specific situation.
Should I get multiple estimates for the repair work?
Yes, it is wise to get several written estimates from qualified roofing contractors. Compare the scope of work and materials they propose. Ensure they plan to follow manufacturer specifications to preserve any applicable product terms. Never let work begin without a signed contract.
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