It’s a nightmare right after the huge storm. Metal roof hailstorm dents are annoying for many reasons. First, your reputable and trustworthy Calgary AB roofer will tell you the risk of hailstorm dents and roof water pooling during rainstorms. If left unattended, rainwater can penetrate the roof’s material due to its weight. Next, it won’t ever make your metal roof as pristine and beautiful as it were.
The High Possibility of Metal Roof Denting Easily is Fake
Unfortunately, when you want to get some help for your metal roof, you might only get some weird and unhelpful responses from insurers. In fact, it’s unfair they’re not giving benefits for your metal roof repair or replacement because metal roof hailstorm dents are a true risk to your roof. One proof they’re wrong to do this to you: metal roofs — even corrugated ones — do not dent easily to hailstones. However, this is what the industry believes most of the time.
Sheffield Metals has an excellent, in-depth explanation as to why metal roofs denting easily is a mythical belief that has spread in the insurance industry today.
Myth #4: Metal Roofs Dent Easily
Contrary to popular belief, metal roofing is actually very difficult to dent and even more difficult to puncture. There is always a concern among consumers that the first time a wave of hail rolls through, there will be dents all over a metal roof. In actuality, the average hail storm is very unlikely to cause damage or dent a metal roof. The possibility for denting increases as the size and quantity of the hailstones increase, but it would take a huge storm with extremely large pieces of hail to create any significant denting or penetration points.
Luckily, an industry guideline called the Standard for Impact Resistance of Prepared Roof Covering Materials (or UL 2218), exists to test a metal panel’s resistance to hail and other items it could come into contact with. The products tested are rated on a scale from Class 1 to 4, with Class 4 being the toughest and least likely to dent and/or fail when in contact with items such as hail. (Source)
Roof insurers only provide cover for metal roof hailstorm dents if homeowners and the roofer who performed the inspections prove your roof incapable of providing long-term protection. True enough, even three incidents of hailstorms will not cause any functional damage to your metal roof. However, because of accelerated wear and tear hailstone dents bring to metal roofs, its functionality comes into question — and that’s due to hailstone dents.
Unfortunately, most insurers will never acknowledge metal roof hailstorm dents as functional damage. In some cases, new insurers provide this as an additional clause to new policies they offer to new homeowners nowadays for an added premium.
InterNachi has a great explanation about functional damage if you’d like to know more.
Possible scenarios during which functional damage may occur include severe hail damage to especially vulnerable components, such as seams, ridge and hip caps, gabled end trim and eave trim, and any place where panel edges meet, and where damage may allow moisture intrusion and leakage or lower the wind resistance of the affected area.
Sheet metal is formed into various roofing components designed to mimic other types of roofing materials, such as shakes, slate and tile.
Metal shingles are roughly the size of asphalt composition strip shingles, several times wider than they are tall. They’re also usually hollow, so their resistance to impact depends on the gauge of the sheet metal from which they’re made. Because folds in the field of the unit can add strength, impact resistance is also affected to some degree by the formed profile.
Metal shingle roofs are damaged more easily than metal panels because they typically rest on only the substrate along their edges, leaving most of each shingle unsupported. Indentations from hail are visible in the photo below, although they aren’t serious enough to be called functional damage. (Source)
Making Your Roof Insurance Claim Work
Unfortunately, there’s no way we can convince roofing insurers if they can never appreciate metal roof dents as functional damage. On the other hand, it’s possible your roof claims can fail because of oversight in an area when doing it. Roofing insurance claims aren’t difficult to perform, but you’ll need to spend some time and effort to complete it.
The Nest Budgeting has a thorough guide that can help you make your claim a success each time. Learn more about them below.
Research Your Coverage
To get started, first check your insurance policy documents to make sure you’re covered for the damage to your roof. You might not be able to make a claim if your roof was in a shabby state of repair before the damage occurred. Neglecting your property can invalidate your home insurance.
Document the Damage
Take pictures of the damage to your roof – and of any interior damage resulting from the damaged roof. Further, if a hail or snowstorm caused the damage, note the date of the storm and perform an internet search to find articles noting that a storm occurred on that particular date.
Contact Your Insurer
Contact your agent as soon as possible to find out how to make a claim. Your policy may require you to notify your coverage provider within a certain time frame. If you have questions regarding your claim, ask your agent. Find out your insurer’s procedures for making temporary repairs and replacing your roof. (Continued)
In case you need accurate roofing inspections that guarantee exceptional results for your roof claims or general roof service needs, you can contact No Payne Roofing to help you. We have decades of experience providing top-notch roofing services. Learn more about what we can do for you today!