FAQs

Hailstones dislodge the protective granules in your asphalt shingles. Once the granules have been removed, the asphalt layer of the shingle becomes vulnerable. Exposure to prolonged sunlight weakens the asphalt, resulting in leaks. According to Texas A&M engineering professor, Dr. Milton Smith, when hailstones fall from significant heights, their speed increases up to nearly 100 mph. Upon impact, their kinetic energy is released, causing a crater to appear in the shingle and dislodge the granules. As these granules are dislodged over time and the asphalt is exposed to sunlight, the shingle can develop holes or crack.

Not necessarily. However, keep in mind that insurance companies have time limits on how long you can file a claim, which range from 3 months to 1 year. It is best to address the damage within this timeframe to avoid potential complications. 

Hail damage can look like a "bruise" or dark spot where granules have been lost. Fresh damage spots look shiny due to the newly exposed asphalt. 

When looking for damage, use extreme caution. Roofs can be slippery and sometimes damage is not apparent right away. Granules may be loosened but not removed for months or even years before they are eventually lost, causing leaks and additional extensive damage down the line. 

Other hail-induced damages that may be covered by insurance include dents in aluminum siding, gutters, window capping, or broken vinyl.

Reach out to a hail damage expert prior to contacting your insurance company to ensure:

• Damage can be verified without putting your safety at risk
• You've received an expert opinion on the damage
• Collaboration with the insurance adjuster, resulting in a thorough assessment

Chris Tian Construction provides free inspections. If the insurance company approves the suggested repairs, they will compensate us. If they do not, you do not owe any money. We will only work on your property through insurance approval and compensation. 

Aside from a new roof or siding for the price of your deductible, you could also receive compensation for additional property damage. You also gain peace of mind. 

Insurance rates are not increased based on individual claims but by class or region. Hail is considered an act of nature, so you cannot be held responsible or penalized by insurance for filing a claim. 

Home insurance exists to protect property owners from unexpected damages.