Summer is a season many people get excited about. However, it also brings in some unique dangers, especially for homeowners. Summer storms can cool off those hot days, but they can also bring high winds and hail with them. Hail is one of the biggest problems for homes, and homeowners need to be prepared.
What Hail Does
Listen to a weather report and one thing you’ll notice is the size description of hail. From pea size to quarter size to golf ball and baseball sized hail, you start to pay attention as the description gets bigger. Can you imagine being hit in the head with a baseball? Think about what it can do to your home, specifically your roof.
Depending on the type of roof you have, a storm involving hail could be a major claim. Even smaller size hail can leave indentions that are more susceptible to rust and water leaks. If you have asphalt shingles, you may notice black marks from the hail or spots that are soft. Granules are lost and the shingle may look shiny. With wood shingles, they often split from the hail hit.
When hail damages a roof, it leaves that area vulnerable to water and the elements. The roof is compromised and won’t provide the same level of protection as before. It’s important to inspect your roof as soon as possible after a hail storm.
T-Lock Roofs and Hail Damage
T-Lock roofs are popular in homes in Colorado Springs. They have been called the number one roof choice for storms. The roofs use a shingle that is shaped like the letter T, which is the reason for the name. They interlock to form a secure roof. However, this type of shingle hasn’t been in production for some time, which means it’s difficult to replace.
The T-Lock shingle stopped being made back in the mid-200s, which means you can’t find replacement shingles if a portion of your roof is damaged. Insurance adjusters must total the roof and replace all the shingles with a new type. Many insurers won’t insure homes with a T-Lock roof because of this problem. If you already have an insurance policy with full replacement cost, it shouldn’t be a problem. The policy will allow your roof to be replaced with a current product. However, actual cost value policies will figure in the depreciation for the roof, which may leave you paying out of pocket for part of the costs.
For buyers who are looking at homes, they will want to find out what kind of roof their desired home has. It may be difficult for them to get coverage for a T-Lock roof, which is necessary to get a loan for the property.
Hail is a destructive force of nature that can do a lot of damage to roofs. Make sure you know what coverage you can get for home insurance in Colorado Springs before you purchase a home. Insure your property adequately so you’re prepared the next time a summer storm comes to your area.