While most hail in northern Illinois seems harmless, there are instances every year of large hailstones causing major damage to cars, windows, and roofs. According to Rhett Wilborn, owner of Innovative Home Concepts, Inc., there are four main reasons why homeowners should care about hail damage to their roofs.
1. Hail can ruin the appearance of your roof. "Hailstones can seriously damage the appearance and function of asphalt shingles," explained Wilborn. "Shingles are comprised of a fiberglass base mat surrounded by an asphalt coating. The asphalt deteriorates if exposed to the sun's UV rays, so the shingle is coated with small stone granules to prevent this. When hail strikes the shingle, it indents the asphalt, dislodging the granules. These bare spots look like black splotches on the roof, making it look dirty and aged."
2. If damage caused by hail is not repaired, it will likely lead to leaks in the roof. "Missing granules expose the asphalt to the sun, causing deterioration," added Wilborn. "This creates holes in the shingles, eventually allowing water to enter the home and cause additional damage."
3. For home sellers, a buyer's inspection may reveal hail damage. "If an inspector finds hail damage, he'll suggest replacing the roof," said Wilborn. "The buyer will want the replacement performed before closing, or will request a credit for the roof replacement. Either way, it costs the homeowner money, since the home's value is lower due to the hail damage."
4. After hail damage occurs, the homeowner typically has just one year to file a claim. "If a claim isn't filed within a year, the homeowner may lose the opportunity to file a claim for this peril," Wilborn added. "Even though the roof may be damaged and can deteriorate further in the future, they'll be denied coverage due to a late filing. They'll be left to foot the bill for the repairs." For more information, please contact:
4410 IL-176 #1
Crystal Lake, IL 60014