Hail Damage Is the Top Cause of Roof Replacement in Alabama
The Tennessee Valley experiences multiple hailstorms every year, and even a brief event with quarter-sized hail can cause enough damage to warrant a full roof replacement. The good news is that hail damage is almost always covered by homeowner's insurance. The challenge is navigating the inspection, claim, and replacement process correctly to ensure you get the roof your home needs without out-of-pocket surprises.
How to Tell If Your Roof Has Hail Damage
- Dented gutters and downspouts: If your metal gutters have dimples, your shingles likely have damage too.
- Granule loss on shingles: Hail knocks the protective granules off asphalt shingles, exposing the fiberglass mat beneath. Look for dark spots or bare patches.
- Cracked or fractured shingles: Large hail can crack shingles, creating immediate leak vulnerabilities.
- Dented metal vents and flashing: Soft aluminum vents and flashings dent easily and serve as evidence of hail size and intensity.
- Damage to other surfaces: Dented car hoods, damaged window screens, and cracked vinyl siding all indicate hail that likely damaged your roof too.
The Insurance Roof Replacement Process
After a hailstorm, contact a reputable local roofing contractor for a free inspection before calling your insurance company. A professional inspection confirms damage exists and documents the scope, giving you valuable information before the adjuster's visit. Once you file a claim, the adjuster inspects your roof and prepares an estimate. If there's a discrepancy between your contractor's assessment and the adjuster's estimate, your contractor can meet with the adjuster to ensure all damage is accounted for.
Choosing Your New Roof
Your insurance covers replacing your roof with equivalent materials. If your current roof has standard three-tab shingles, you'll receive coverage for three-tab replacement. However, many homeowners choose to upgrade to architectural shingles or impact-resistant rated products, paying the difference in material cost out of pocket. This upgrade is often surprisingly affordable and can reduce future insurance premiums.
Trust All States Restoration for Your Roof Replacement
All States Restoration has managed hundreds of insurance roof replacements across the Tennessee Valley. We handle every step from initial inspection and insurance coordination to material selection and installation. Our team never uses subcontractors for roofing, ensuring quality control throughout your project. We back every roof with manufacturer warranties plus our own workmanship guarantee. Schedule your free hail damage inspection today.