What is considered a roof damage? | Roof Damage Help .com

What is considered a roof damage?

I had an appraisal show up from insurance to check on my roof for hail damage. He said that my roof does not have much hail damage and only some loose shingles. I had a conctractor checked on my roof today and he said that my roof should be replaced because of wind damage itself. You can lift most shingles with your hand with minimum effort, so I’m guessing when there are heavy rain and strong wind… it could blow my shingles off from the roof again or damage the roof under the loose shingles.

Should the insurance replace my roof for wind damage even though there are no visible hail damage?

My roof is only 5 years old.

Hail damage is little dents, or big holes, depending on the size of the hail. Think, really heavy golf balls hitting the roof.

How old is your roof? It’s pretty unusual to be able to lift shingles with your hand – usually after one summer the tar kinda sticks ‘em together, regardless of the rain. Sounds more like it wasn’t fastened down right in the first place. Either that, or the roofing contractor is pulling a fast one. If your roof is old, and wearing out, though, the shingles will be buckling & pulling up . . I’m wondering if this is the case? But it wouldn’t be individual shingles.

Wind and hail are two seperate events. Usually when there’s a storm big enough to give wind damage to your house, the insurance company gets multiple wind claims. Did any of your neighbors have any wind damage?

Something else to ask about . . .do you have replacement windows cost on your house, or actual cash value, and how old is the roof? The normal lifespan of an asphalt shingle roof, depending on the part of the country you are in, is 15 – 20 years. If your roof is at the older end of that range, it’s possible you’re just due to replace it, from wearing out.

If I were you, I’d get at LEAST two more Cincinnati roofing contractors out there and get their opinion and estimates. Something to watch out for, is the contractor that goes in and says, oh, yes, your homeowners policy will pay for this. Then they fix your roof . . . your claim is denied for whatever reason (usually because it’s just an old roof, and wore out, in my experience) then the contractor demands payment anyway . . .slaps a mechanic’s lein on your house, or offers you “financing” at 25% interest or something horrendous like that. . .

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