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What to Do About Hail Damage on Your Business's Roof

Hail Damage
In the Midwest, spring is a very active season. From tornado threats to hail storms, adverse weather is not an unheard-of occurrence in the area. Do you know what to do when your business's roof is damaged?

Some knowledge on how to handle hail damage now can ensure you're better prepared if the inevitable occurs. Learn what you can do to protect your business. 

Schedule an Inspection 

Almost any kind of roof can be damaged by hail. Hail damage on a roof generally surfaces in one of two categories: cosmetic or functional. Cosmetic damage is just as it sounds — damage that only diminishes the appearance of a roof. Functional damage is more dangerous since it targets the structure of the roof, which has a negative effect on its overall performance.

The challenge is that most damage can appear like a mere cosmetic issue from afar, but not until you perform a closer examination do you discover the problem is far more serious. For instance, the bruises on the roof might just look like small dents, but if there is even a slight crack in the dents, water could penetrate the roofs' surface.

When water penetrates a roof, leaks and mold around the roof support system become a threat. A long-term water leak could also affect the interior walls and floors and damage any inventory, equipment, or materials you keep inside the building. Don't assume the damage is merely cosmetic; schedule a professional inspection to get a clear idea of what you're facing. 

Call the Insurance Company

Begin your efforts with a call to your insurance company. Roof damage due to hail is not necessarily a standard of commercial insurance policies, but it may be included. If your policy does have this coverage, you can significantly minimize your share of any repair or replacement costs.

Ideally, you should make the call shortly after you notice the damage, cosmetic or functional. Failure to report the loss promptly could result in a future denial since the insurance company could argue that your negligence in reporting the damage early on has caused the problem to progress.

A quick call to the insurance company will let you know whether you have this coverage and prevent any issues that arise when you wait around. If you have insurance coverage, your insurance company may cover the cost of the roof inspection. 

Take Preventive Steps

No technology makes it possible to prevent a hail storm, but options are available to help reduce the amount of damage hail causes to your business's roof. If you've had an experience with hail on more than one occasion, you might want to consider reroofing with impact-resistant shingles.

All roof shingles have a class rating, which is a reference to the level of impact resistance the shingle can tolerate without failing; impact-resistant shingles have a Class 4 rating. Keep in mind that nothing can completely match the power of Mother Nature. However, a more durable shingle can help minimize the risk of damage and keep your repair cost down.

While the price to reroof might be an investment in the beginning, when you consider the savings the higher impact roof will yield, it's well worth the cost. A Class 4 rated shingle is also helpful when powerful thunderstorms sweep through the area and send flying debris in the air. 

Hail damage can have serious implications, so make repairs a top priority. At Bartch Roofing Company, we're equipped to handle all your hail damage needs and any other concerns you have about your commercial roof. Contact us to learn how we can help you protect your roof.