new american homeWhat would you do if one day you pulled in your drive way and found someone up on your roof, beating it with a hammer? Or how about a neighbor using some golf balls and their 9 iron to practice driving the balls over the trees and landing on the green, otherwise known as your roof.

Most likely you would be calling the police and telling them to bring their straitjackets. You would probably also be expecting the culprit to pay for the repairs to your roof.

If you think about it, 99.9% of the time Mother Nature is good to us here in the south, but every now and then she can get her dander up, resulting in strong winds ripping shingles off your roof and/or hail hammering divots in your shingles. It may not be a mad man with a hammer but the results are about the same.

The bad news is that you probably will not be able to get Mother Nature to pay for the damage she causes. The GOOD NEWS is that most insurance policies WILL PAY TO REPLACE YOUR ROOF.

There are several things we would like to clarify about hail:

  • Most hail damage cannot be seen from the ground.
  • Most customers do not remember the hailstorm that damaged their roof.
  • The damage could be the result of several hailstorms over multiple years.
  • If your roof has been battered by hail, the damage is done.



Most of the hail that occurs in the SouthEast is smaller hail that does not damage roofs, gutters, windows, sheds, etc… the same way large hail in the mid-west does. When looking for hail damage in metal we look for impacts (dents) in the metal. With asphalt shingles we look for where the hail has hit the shingle creating an indention in the shingle.

Many times the granules that protect the shingle from the suns’ rays are knocked off, causing accelerated aging of the shingles. It is not uncommon for a roof that is ten years old to look like it is 15 to 20 years old.


Most storms that contain hail will also have strong winds, or you may only have wind damage. Although the news channels love to show shingles blowing off a roof every time there is a hurricane, you don’t have to loose shingles to have wind damage on your roof. Winds can blow up your roof, causing the exposed part of the shingles to lift up and down, much like a hinged lid would.

The problem is that shingles are not designed to move in this manor and the repeated action during a short storm will weaken the shingle quickly causing parts of the shingle to break loose. These shingles need to be replaced very soon. Wind damage is also covered by most insurance policies.