Understanding Cedar Roof Hail Damage and Insurance Coverage After Recent Storms
- Midwest Cedar Roof
- Aug 18
- 3 min read
Hailstorms can devastate homes, especially those with cedar shake roofs. The damage from hail can threaten the stability of your roof and lead to hefty repair bills. In this guide, we'll break down how hail impacts cedar roofs, the insurance coverage available for repairs, and the crucial steps to take if your roof has been affected by recent storms.
Will Hail Hurt My Cedar Shake Roof?
Cedar shake roofs are celebrated for their aesthetic appeal and longevity, but they can suffer significant harm from hail. When hailstones collide with the roof, they can create cracks, dents, and even breakage. The extent of the damage often relates to the size and speed of the hailstones.
For instance, while small hail (under 1 inch) may lead to superficial issues, larger stones (1 inch or more) can cause severe problems, such as splitting the shakes or creating openings where water can infiltrate. According to the National Weather Service, 1-inch hail can cause noticeable damage to cedar roofs, and hail over 2 inches can lead to extensive roof damage.
After a hailstorm, it’s crucial to check your roof. Look for signs of impact, including cracking or chips. If you see any damage, reach out to a professional for a detailed inspection.
Will My Insurance Pay for Hail Damage Repairs to My Cedar Roof?
One of the biggest concerns for homeowners is whether their insurance will cover the repair costs after a hailstorm. Most homeowners' insurance policies do cover hail damage, but the specifics can differ depending on your policy and insurance provider.
Working with a company that specializes in cedar roof insurance claims, like Midwest Cedar Roof, can ease the process. Their expertise ensures you understand the claims process and get the best possible outcome. They can provide all documentation and photographs needed to help you submit your insurance claim.
Here's how you can confirm your coverage:
Review Your Policy: Look closely at your homeowners' insurance policy. Check the section on hail damage to see what is included.
Document the Damage: Take clear photographs and notes of any visible damage to your roof. Include a variety of angles to capture the extent clearly.
Contact Your Insurance Provider: Inform your insurer about the damage as soon as possible. They may send an adjuster to inspect the damage and decide on your claim.
Will I Need to Repair or Replace My Cedar Roofing Due to the Storm Damage?
Deciding whether to repair or replace your cedar roofing system after hail damage hinges on how severe the damage is. For minor issues, like a few cracked shakes, repairs may be adequate. However, if numerous shakes are broken or if the structural integrity is compromised, you may need a complete replacement.
For example, if 20% or more of your roof shakes are damaged, replacement could be more cost effective in the long run compared to multiple repairs. A professional inspection is essential for making this decision. Experts can evaluate the roof's condition and recommend the best steps forward.
Midwest Cedar Roof focuses on cedar roofs and is all too familiar with the complications homeowners face post storm. They serve areas heavily impacted by recent storms, including Barrington, Cary, Lincolnshire, Riverwoods, Lake Forest, Glencoe, Long Grove, Winnetka, Naperville, Bolingbrook and more, ensuring you receive the best support possible.
Steps to Take After a Hailstorm
If your cedar roof is affected after a hailstorm, here's a straightforward guide to follow:
Inspect Your Roof: Once it is safe to do so, carefully examine your roof for visible damage. Look out for cracks, dents, or missing shakes.
Document Everything: Capture detailed photos of the damage. Having comprehensive documentation will help with your insurance claim later.
Contact a Professional: Reach out to a roofing expert like Midwest Cedar Roof which are experienced with cedar roofs. They can assess the damage in detail and provide tailored advice.
File an Insurance Claim: If damage exists, notify your insurance provider right away. Share the documentation you gathered for a smoother claims process.
Work with Experts: Hire a specialized claims assistance company like Midwest Cedar Roof. They can guide you through the claims process, ensuring you receive the coverage you deserve.
Final Thoughts
Hailstorms can severely impact cedar shake roofs, leaving homeowners uncertain about repairs and insurance coverage. Understanding how hail affects your roof and knowing the necessary steps to navigate insurance claims is vital.
If you find yourself facing hail damage, take action immediately. Inspect for damage, document your findings, and consult professionals for support. Companies like Midwest Cedar Roof are dedicated to assisting homeowners in affected areas, providing essential guidance and expertise during these challenging times.
