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Does Hail Damage Metal Roofs?

Does Hail Damage Metal Roofs - A beautiful home with dark brown metal roofing

How much does hail damage metal roofs?

If you live in an area prone to storms - like Atlanta - you'll want to keep this in mind when deciding on a new roof for your home. The type of roof you choose can be a positive investment, or it can end up being a financial drain. Either way, it will have an impact on your home value.

Metal roofs, known for their impact resistance, are a great option for homeowners who live in hail-prone areas like Atlanta. If the potential for hail damage to your home is a major concern, a metal roof can be the best way to find reassurance that your roof will withstand larger hailstones without severe damage.

Even so, while metal roofs are one of the sturdiest roof types, they can still be damaged in a severe storm. The Atlanta area is prone to frequent hailstorms, and even the toughest roof will still take a beating. The good news, and one reason a metal roof might be the best option, is that if it does take damage it is likely to be cosmetic in nature. You are more likely to have to deal with dents and marks than with structural damage or leaks.

Even with the best roof, a wise homeowner will still have a look at the roof after any rough weather. This can help catch damage early, preventing more troublesome and costly repairs down the road.

Impact of Hail on Different Roof Materials

When you compare different roofing materials, hail resistance and the factors influencing how prone to hail damage a roof will be are important for making informed decisions about your roofing needs.

Metal vs. Asphalt Shingle Roofs

Metal roofing systems, including standing seam metal roofs and metal shingles, are generally more durable when it comes to severe weather, including hail impact. Metal roofing panels vary in how well they do with hail, depending on the type and thickness of the metal used. Metal roof panels do commonly take on some cosmetic damage from hail, but not as much as other materials.

Asphalt shingle roofs, on the other hand, are more prone to hail damage. Hail can lead to granule loss, which contributes to cracking and shingle loss over time.

In short:

Metal roofs are more resilient to hail, will mainly suffer cosmetic damage, and have a long lifespan.

Asphalt shingles carry a higher risk of functional damage, have a greater potential to develop exposed spots, and will age more quickly due to granule loss.

Factors Influencing Hail Resistance

Hail ranges in size from pea-sized to larger than a grapefruit. Obviously, the larger the hail, the worse the damage is likely to be. Other contributing factors include:

Material Type: Tile roofs made from clay or concrete tiles come in varying levels of strength, with some tiles being more hail-resistant than others.

Roof Age: Newer roofs will normally hold up better than older, worn ones.

Impact Rating: Roofing materials come with an impact rating that specifically indicates their durability against hail. In hail-prone areas, look for high-rated hail-resistant roofing materials.

Unfortunately, no roofing material is completely safe from hail. Regular inspections, especially after big storms, will help you keep on top of any damage to your roof before it causes larger issues.

Understanding Hail Damage

Hail storms in the Atlanta, GA area can cause damage ranging from light cosmetic issues to serious functional damage. The extent of the damage is mostly related to the size and density of the hailstones and the type of roofing material used.

Cosmetic vs Functional Damage - How to Tell the Difference

Cosmetic Damage: This refers to aesthetic issues that do not compromise the integrity of your roof. Some common signs of cosmetic hail damage include:

  • Small dents
  • Discolored spots

Functional Damage: This type of damage damages or destroys the roof’s ability to protect your home and can include:

  • Holes or tears in the roofing material
  • Cracks that can lead to leaks

The Long-Term Effects of Hail Damage

All hail damage requires prompt assessment, even if it appears to be only cosmetic. This is because even small issues can worsen over time, leading to rust or structural issues down the road.

Functional damage needs to be addressed quickly, as it can lead to problems with leaks and damaged insulation in a very short time if left unattended.

Insurance and Hail Damage for Metal Roofs

If your roof is damaged by hail, you will want to submit an insurance claim. If you are clear on the specifics of your policy and have a solid knowledge of how insurance adjusters assess the damage, you will be in a good position to receive fair compensation.

Navigating Insurance Claims for Hail Damage

Specific clauses or endorsements regarding hail damage may dictate how your claim is handled. Before reaching out to your carrier, review your homeowner's policy carefully.

Typically, insurance companies appreciate the durability of metal roofing, but coverage can still vary quite a bit. Here are some things to be aware of:

  • Deductibles: Some policies will have a separate hail damage deductible.
  • Exclusions: Look for any specific exclusions that might affect metal roofs.
  • Coverage limits: Find the coverage limit, and see if it aligns with the current value or replacement cost of your metal roof.

For more comprehensive information on policy details regarding hail damage, check out the Insurance Information Institute.

Working with Insurance Adjusters For Hail Damage

After you file an insurance claim for hail damage to your roof, an insurance adjuster will be assigned to the claim. Prepare for their visit by:

  • Documenting Evidence: Take clear photos of the damage. Record dates and times of the hailstorm, and if you can, also note the size of the hailstones.
  • Reporting Promptly: Report damages to your insurance company as soon as possible.

The adjuster will assess the damage and establish the claim value. During this phase, make sure to provide all necessary documents and answer the adjuster's questions clearly. Remember that it is always your right to seek a second opinion if the adjuster's assessment doesn't seem fair.

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    • Excellent service from Douglas Construction!! We had hail damage, new roof required, insurance covered. It was really easy working with Rome, from start to finish. He is very professional and courteous! During roof install day, Jonathan and his crew were great! They came with a big crew early in the morning and got the roof installed in 1 day! Thanks for a great experience! The roof looks wonderful!

      -Zeb Lau
    • Since moving to GA, I've dealt with a lot of contractors & carpenters. In most cases, I've been disappointed with the results. However, working with Douglas Construction has been my best experience thus far. I was impressed with their professional & authentic marketing, their prompt & knowledgeable sales approach, and the overall quality of the installation. If you need a roof, call Douglas.

      -Aaron Peters
    • We had a great experience with Douglas Construction Company. They are very professional. We had storm damage and Hayden took care of everything, and was present at every step of the process. He gave us a free roof inspection, communicated with the insurance company, and before we knew it we had new high quality gutters and a beautiful new roof. We couldn’t have asked for more!

      -Todd Penny
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