Roof Damaged by Hail in San Antonio?  Hail stones can damage your home’s roof as well as other personal property you may have. Hail storms can be extremely destructive and the amount of damage caused by hail can vary greatly from one area to the next. For example, homes located side by side can be affected completely differently during the same hail storm. One home’s roof may require a total roof replacement while the home right next to it may only require a few shingles to be replaced. Several factors affect the type of damage and severity of damage caused by a hail storm. First, the changes in wind can affect the severity and the location of hail stone impacts. The shape and size of the actual hail stones is another factor that can affect the degree of hail damage. A pea sized hailstone obviously causes a smaller amount of damage than a hail stone the size of a baseball. Additionally, some hailstones are not smooth but rigid. Rigid misshaped hailstones cause much more damage to roofs and other personal property than smooth and round stones. Another factor that affects the severity of hail stone damage is the type of building materials used on a home’s structure. For example, hail will cause severe dings and dents to aluminum siding and gutters. Additionally, hail stones will ding and dent asphalt shingles but cause cracks to vinyl siding and wood shingles. Golf ball and baseball sized hail stones will actually puncture roofs and siding. Another factor to consider when determining the severity of hail damage is the age of a roof and other building materials on a structure. Typically, older building materials are more vulnerable to hail damage. Barriers around a home also affect the severity of hail storm damage. The position of neighboring structures and natural barriers, like tree coverings, landscaping, fences or adjacent homes can affect the amount of hail stone damage because stones can reflect and bounce off barriers softening the blow to your home.

Shingles can react differently when struck by hail. For example, hail damage to asphalt and composition shingles can look very different than hail damage to wood shingles. Typical hail damage to asphalt and composition shingles is random damage with no discernable pattern. Hail hits on asphalt and composition shingles tend to be black in color, you will see loss of granules on the asphalt shingles, the asphalt shingles will appear shiny, you will see exposed roof felt, and the hail hits may feel soft to the touch like a bruised piece of fruit. Hail hits on wood shingles on the other hand tend to split the shingle with brown or orange discoloration on the wood. The split wood tends to have sharp corners and edges when split by hail. The split wood tends to have very little deterioration at the edges and the splits tend to have marks or dents along the split.

There are other types of damage to shingles that can be mistaken for hail damage. For example, exposure to inclement weather and sunlight makes shingles brittle and gives them an aged appearance. This type of damage is normal wear and tear of shingles, which is sometimes misidentified as hail damage. Other types of normal wear and tear may include blistering, cracking, granule loss, flaking and algae. Manufacturing defects and mechanical imperfections in shingles can also be mistaken for hail damage.

If you believe you have a Roof Damaged by Hail in San Antonio and if your insurance company tries to delay, deny, or underpay your hail claim, contact us today. We have experience dealing with insurance companies, and know the games they play. Many times an insurance company knows that a homeowner may give up and accept a lowball offer.  If you don’t want the hassle of dealing with the insurance company yourself, we will be happy to do that work for you.

Feel free to call us at 1-888-724-HAIL.

Hailstorms Are Most Common in Spring because cold air from the Northern United States clashes with humid and warm air from the Gulf of Mexico. This clash of air masses sets the stage for severe weather such as thunderstorms over parts of the central and southern portions of the United States. Storms that result from this air mass collision can contain tornadoes but most commonly large hail is often associated with these thunderstorms in the spring time. William Clark, an AccuWeather Storm Warning Meteorologist has stated that “The main reasons that hail occurs with the greatest frequency during the spring is that the jet stream and energy higher up in the atmosphere is still rather strong as compared to the summer months.”

Hail stones tend to develop because air rises in a thunderstorm, often called an updraft. The air that rises has water droplets in it and the droplets freeze in the below freezing temperatures up in the air’s atmosphere. As the droplets get larger and heavier, they fall to earth. The stronger the updraft, the larger the hail stones become. In the spring time verses the summer, the freezing levels in the clouds are much lower, causing the hail to more easily reach the earth’s surface. This is because the hail stones have a shorter distance to travel in the air before hitting the ground and it is less likely the hail will melt in the air before they make landfall. The freezing layer in the atmosphere is lower in the High Plains and Mountain West regions of the United States, this is why more hail stones fall in this area of the United States than in any other area. South Central United States (including San Antonio, Texas) sees more hail than anywhere else because the hail making ingredients are ideal during the Spring. Hail in this region has the tendency to grow as large as baseballs and can cause significant damage to homes and roofs leading to millions of dollars in damage in just a few minutes. It is noteworthy that in 2016, a hailstorm in San Antonio, Texas led to an estimated one billion dollars of damage to home and vehicle owners.

During the spring, hail storms are also common in the western United States such as California. Hail stones that are associated with thunderstorms on the West Coast typically are smaller and range from pea to quarter size hail. The quantity of hail can still be destructive. In February of 2018, Sacramento, California was hit with several inches of pea sized hail that covered roads and highways disrupting traffic for hours.

Although Hailstorms Are Most Common in Spring, autumn is the second most common time of the year to have hailstorms occur. Autumn is also hail season because air high in the atmosphere cools down again and heat and moisture at the earth’s surface is still quite high. These are good ingredients for producing hail and this tends to occur in parts of the Midwestern and Eastern United States.

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Our experienced San Antonio Hail Attorneys have compiled a list of the MOST FREQUENT QUESTIONS ASKED TO OUR SAN ANTONIO HAIL ATTORNEYS regarding the hail storm claim process.

Question: I purchased my home insurance through an insurance agent. Will the insurance agent look out for my best interest in the hail claim process?

The short answer is NO. This is one of the MOST FREQUENT QUESTIONS ASKED TO OUR SAN ANTONIO HAIL ATTORNEYS. Your insurance agent looks out for the best interest of the insurance company. Do not count on your insurance agent to look out for your best interest. The insurance agent has the company’s best interest, specifically the bottom line at heart. Additionally, the insurance adjuster who usually comes to your home following a hail storm to assess the damage and come up with a repair estimate is paid by the insurance company and they usually underestimate and low ball the actual damage estimate to save the company that signs their paycheck money. However, an attorney you hire and the experts that they hire will be there working for you, loyal to you. It is preferable to have professionals who represent you, working for you, as opposed to hoping that adjusters or agents that work for the insurance company do the right thing by you.

Question: What are some of the things to look out for when hiring a roofing contractor to help make repairs to my home?

This is another one of the MOST FREQUENT QUESTIONS ASKED TO OUR SAN ANTONIO HAIL ATTORNEYS. Unfortunately, when hail storms strike the San Antonio and surrounding areas, roofing contractors pop up all over the place. You will get bombarded with emails, mail flyers, commercials and even door to door salesmen. Be extremely cautious of these contractors. Many are scam artists. Perform your research before you hire any roofing contractor. Ask for job referrals, Google them and determine if they have been in business for several years at least. It is a good idea to even contact the Better Business Bureau before you sign any agreement for work to be performed to determine if they have a positive rating and good reviews.

A legitimate roofing contractor should provide a free inspection and provide a bid in writing that itemizes all the proposed work that is necessary. They should also provide photographs of the damage prior to the work being performed. Also, the roofing contractor should be willing to meet with your insurance adjuster and provide the adjuster with details regarding the necessary recommended repairs. The roofing contractor that you choose should be insured and bonded and they should be able to provide you with proof of insurance. Make sure that you are not a victim of predator roofing contractors. Contact one of our experienced hail attorneys today for free advice and consultation.

Question: My home’s roof was damaged in a recent San Antonio hailstorm and I was wondering if I can start making repairs before any further damage occurs?

The typical home insurance policy requires you to mitigate your damages. This is a fancy way to say you are suppose to take minimal measures to prevent additional damage to your home after it has been damaged in a hail storm. A good example is if your roof has gaping holes or missing shingles due to large hail stones and water is leaking inside your home, next place a tarp or some other barrier like plywood over the holes to prevent additional water damage. It is also a good idea to keep any receipts of purchases you make when mitigating your damages so that you can provide those to your insurance carrier for reimbursement. The same advice applies to when you hire a contractor to make repairs, keep those invoices and receipts for your file. Also, always take pictures and/or video of all the damage before any repairs have been made so that you can provide those to your insurance company.

Question: Can I file a hailstorm claim with my home insurance company?

This is another one of the MOST FREQUENT QUESTIONS ASKED TO OUR SAN ANTONIO HAIL ATTORNEYS and the answer is Yes! You should file a hail claim with your home insurance company as soon as possible after a hail storm. Call you insurance company and request an inspection as soon as possible and notify them you will be making a hail claim. Get the hail claim process rolling as soon as you can without any delay so that the insurance company cannot make any excuses not to pay you. If you believe that your insurance company is operating under bad faith and delaying paying your claim or low balling you with an offer that does not even come close to the amount of money needed to repair your home, contact me, an experienced San Antonio hail claim attorney immediately for help.