Hail Damaged Your Roof? What Fort Collins Homeowners Should Do Next

By Author: Paul Stewart
Total Articles: 2
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A hailstorm can leave roof damage that is not always obvious from the ground. Hail can dent asphalt shingles, displace their protective granules, or tear the shingle surface. Severe damage can affect the roof’s ability to shed water.

1. Check for Visible Damage

After a storm, look around your property before attempting to climb onto the roof. Check for:

1. Missing or damaged shingles

2. Accumulated shingle granules

3. Dented or cracked roofing materials

4. Damaged gutters and downspouts

5. Water stains on ceilings or walls

If you see obvious damage, arrange a professional inspection rather than walking on the roof yourself.

2. Schedule a Professional Roof Inspection

Hail damage can affect areas that are difficult to identify from the ground. A qualified roofing professional can examine the shingles, flashing, roof edges, vents, and other components.

This is particularly useful for Asphalt Shingle Roofing, because hail impacts can displace granules or breach the shingle surface without necessarily producing ...
... an immediate interior leak.

3. Document the Damage

Take clear photographs and videos of visible damage before making major repairs. The National Association of Insurance Commissioners recommends documenting losses with photos or videos and making a list of damaged property when pursuing an insurance claim.

Keep inspection reports, repair estimates, invoices, and other relevant documents together.

4. Contact Your Insurance Company

Review your homeowners insurance policy to understand whether hail damage is covered and whether a separate hail deductible applies. NAIC notes that policies differ in their coverage and deductibles, so homeowners should check with their insurer.

Avoid making permanent repairs before documenting the damage and understanding your insurer's requirements. Temporary measures may be appropriate if they are needed to prevent further damage.

5. Understand Fort Collins Roofing Requirements

Fort Collins has specific requirements for asphalt shingle roofing. The city's roofing guidance states that asphalt shingles used for applicable re-roofing work must meet UL 2218 Class 4 impact-resistance requirements, subject to stated exceptions.

The city also states that roof repairs or replacements exceeding 100 square feet require a permit.

6. Check Your Gutters Too

Hail can affect gutters and downspouts along with roofing materials. Look for dents, loose sections, damaged outlets, and drainage problems. If replacement is necessary, proper Gutter Installation Fort Collins services can help restore the roof drainage system.

When to Arrange Hail Damage Roof Repair

If a professional inspection confirms storm damage, discuss the appropriate repair with a qualified contractor. Hail Damage Roof Repair may involve repairing affected sections or replacing roofing materials, depending on the extent of the damage and applicable requirements.

Act promptly after a storm, document what you find, and use qualified professionals for inspection and repair decisions. This approach can help you address confirmed damage while keeping your insurance and local permit requirements in view.