What You Should Know About Hail Damage - Five Star Claims Adjusting
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What You Should Know About Hail Damage

0f41be190e53aed3ca9db9e2b3217b24Most people are concerned about the damage that hail can potentially cause to their vehicles. But hail can be forceful enough to cause real damage to parts of your home as well. If your area has recently been hit by a hailstorm, there are certain parts of your home more likely to show damage. Read on to find out more about hail and how it can cause costly damage to your home.

What is Hail and Why is Hail so Dangerous?

Hail is simply a frozen lump of ice that falls in addition to or instead of regular raindrops. The presence of moisture along with fast moving, upward air currents allow the precipitation to freeze into a solid form. Hailstones form in cumulonimbus clouds high above the Earth’s surface and can pick up speed as they descend towards the ground. While the size of hail stones can vary greatly, even the smaller stones can cause significant damage if they are mostly solid and travel at high speed.

Why Does Hail Damage Vary?

Some hail storms cause minimal damage, while others can smash vehicles, crash through windows and damage homes. This can cause homeowners to underestimate the serious nature of hail and the problems it can cause. The severity of damage caused by hail can vary based on a few factors:

  • The wind speed and direction
  • The size and durability of the hail stone
  • The type of material your home was built with

The damage can also vary due to the unpredictable nature of thunderstorms, which are often the host for hail stones because they offer the perfect atmospheric conditions for hail formation. In some cases, when a storm is stationary over a particular area for a prolonged time period, hailstones can repeatedly pelt the same homes over and over, compounding the damage done by each individual stone.

How Can You Spot Hail Damage?

After a hailstorm strikes in your area, there are a few areas of your home that you should check first for damage:

  • Gutters and downspouts: Make sure these items are still secured to the structure of the home and do not have any dents that will affect their function.
  • Roof shingles: First, determine if there are any shingles missing or loose on the surface of the roof. Next, examine the shingles for holes, broken edges or splits in the middle of the shingle’s surface.
  • Siding: Check the surface of the siding for dents, dings or missing paint.
  • Windows and skylights: Examine the glass for splintering or small cracks that can cause the glass to crack during the next rain or hail storm. If the glass has splintered, replacing the window pane before the next storm hits is a high priority to prevent breakage and secondary damage.  

If you find evidence of hail damage on any part of your home, your homeowner’s insurance policy may cover the necessary repairs. Before you file a claim, the advice of a public adjuster can help you get your claim paid successfully.