Hailstorms are no strangers to Minnesota, and over the past decade, they have left a significant mark on the state. With over 100 recorded hail events and some storms causing over $1 billion in damage, it’s crucial for homeowners to be prepared. In this guide, we’ll explore the impact of hail damage on roofing, the steps homeowners should take, and how to protect your home effectively.
The Frequency and Impact of Hailstorms in Minnesota
Minnesota has experienced numerous hailstorms over the years, with some of the most notable ones causing significant damage to properties. These storms have brought large hailstones, occasionally accompanied by strong winds and heavy rainfall. Some of the most memorable hailstorms occurred on:
- August 11, 2023
- September 20, 2022
- May 19, 2022
- May 9, 2022
- August 9, 2020
- August 5, 2020
- July 26, 2019
- June 11, 2017
- June 29, 2015
The data on these storms was sourced from HailTrace. Featuring hailstones of at least 1.5 inches in diameter, these storms collectively damaged over 1 million homes in the metro area. The frequency and severity of these hailstorms highlight the critical need to understand and address hail damage promptly.
Understanding Hail Damage
Hail damage can have a severe impact on various parts of your home’s exterior, including the roof, siding, and windows. Here’s what to look out for:
Roof Damage
Hailstones can cause dents, cracks, or even break shingles on your roof. These damages might seem minor at first, but over time, they can compromise the integrity of your roof. If these issues are not promptly addressed, they can lead to leaks, water damage, and even mold growth, which can be costly to repair.
Siding Damage
The strong impact of hail can dent or crack the siding of your house, affecting its aesthetic appeal and structural integrity. Not only do these dents and cracks create unsightly blemishes, but they can also lead to more significant issues such as water infiltration and insulation problems. Over time, the compromised siding could result in costly repairs and diminished property value.
Window Damage
Windows can crack or shatter when hit by large hailstones, posing a significant safety risk and leading to costly repairs. This damage not only compromises the integrity of the window but can also result in additional expenses for replacing broken glass, fixing window frames, and addressing potential water damage inside the home.
Prompt assessment and repair are crucial in preventing further damage and maintaining the structural integrity of your home. Our blog piece titled “Spotting and Preventing Hail Damage and The Importance Of Regular Roof Inspections” provides more insights on this subject.
Signs of Hail Damage
Knowing what to look for after hailstorms can help you identify hail damage early and take necessary action. Here are some signs to watch out for:
Dents and Cracks
Inspect your roof, siding, and windows for any visible dents or cracks. Pay close attention to areas that are often exposed to harsh weather conditions, such as heavy rain or strong winds. Even small damages, like tiny cracks or minor dents, can escalate into bigger issues if left unchecked over time.
Missing Shingles
If you notice shingles missing from your roof, it’s a clear sign of hail damage. Missing shingles can expose the underlying materials to the elements, leading to leaks and further damage. Additionally, the absence of shingles can compromise the overall integrity of your roof, making your home more vulnerable to future storms and adverse weather conditions.
Granule Loss
Check your gutters and downspouts for granules that may have been knocked off your shingles. These granules are a crucial part of your roofing system, providing an extra layer of protection against the elements. Excessive granule loss can compromise the effectiveness of your roofing materials and lead to potential leaks or damage over time.
Always prioritize safety by conducting these inspections from the ground or hiring a professional to assess the damage. For more detailed information, check out our blog post “Recognizing Roof Damage Signs: Spotting Issues and Solutions in Minnesota and Wisconsin!“.
The Aftermath of a Hailstorm
After a hailstorm, it’s important to take immediate steps to address any damage and prevent further issues. Here’s what you should do:
Contact Your Insurance Company
Notify your insurance company about the damage as soon as possible. They can guide you through the claims process, provide detailed instructions on what documents and evidence you’ll need, and help cover the cost of repairs. Additionally, they may offer advice on selecting a reputable contractor or service for the necessary repairs, ensuring you get back on track smoothly.
Hire a Reputable Contractor
Choose a contractor with extensive experience in handling hail damage repairs. An experienced professional can provide a thorough assessment of the damage, identify all affected areas, and ensure that repairs are done correctly. They will use the right materials and techniques to restore your property to its original condition, giving you peace of mind knowing that the job has been done properly.
Document the Damage
Take photos and notes of the damage to provide evidence for your insurance claim. This documentation will be valuable during the claims process.
Navigating the Insurance Claim Process
Filing an insurance claim for hail damage can be daunting, but understanding the process can make it smoother.
Importance of Documentation
Documenting the damage is crucial for a successful claim. Take clear photos, write detailed descriptions, and keep records of all communications with your insurance company.
Role of a Contractor
A contractor can provide a professional assessment of the damage and an estimate for repairs. Their expertise can support your claim and ensure that you receive adequate compensation.
Understanding Your Policy
Review your insurance policy to understand what is covered and any deductibles you may need to pay. Knowing your policy details can help you set realistic expectations for the claim.
For more details, read our blog “Navigating the Insurance Claim Maze: Your Safe Path with Shelter Construction LLC“.
The Repair Process
Once your insurance claim is approved, the repair or replacement process begins. Here’s what you can expect:
Assessment
Your contractor will conduct a detailed assessment of the damage, carefully inspecting every affected area. They will then create a comprehensive plan for repairs or replacement, outlining the necessary steps, materials, and estimated timelines to restore your property to its original condition.
Repairs
The actual repair work will commence, addressing all identified damages in a thorough and systematic manner. This may include replacing damaged shingles on the roof to ensure it remains watertight, repairing or replacing sections of the siding to restore the exterior’s integrity and appearance, and fixing broken windows to enhance both security and energy efficiency.
Completion
After the repairs are completed, conduct a thorough final inspection with your contractor to ensure everything is in order. Walk through each repaired area, verify the quality of the work, and address any remaining concerns or questions. This step is crucial to confirm that all issues have been resolved to your satisfaction before making any final payments.
Choosing a reputable contractor is essential for ensuring quality repairs that will protect your home for years to come. Learn more about tackling emergency roof repairs in our blog “How To Tackle An Emergency Roof Repair Like A Pro“.
Hailstorms are a significant concern for Minnesota homeowners, but understanding and addressing hail damage can mitigate their impact. By knowing the signs of damage, taking prompt action, and navigating the insurance process effectively, you can protect your home and maintain its value.
If you need help assessing hail damage or navigating the repair process, don’t hesitate to reach out to Shelter Construction LLC. Our team of experts is here to guide you every step of the way. Contact us today and take the first step towards safeguarding your home from hail damage.
Turn to the Pros at Shelter Construction
At Shelter, we perform free inspections and consultations. We will perform minor repairs during the examination to small damage that we find. Call us at 612-284-6985 or contact us today on our website!