The largest event that causes damage is the thunderstorm. These storms create significant winds and are capable of producing large, damaging hail. Simply turn on the news during the next thunderstorm, and you will hear the warnings and their concern for damage. These same storms can produce a phenomenon called microbursts that are short-lived bursts of energy that cause damage similar to a tornado.
Verisk studies these events and provides research to insurance companies. The US experiences an average of 4,500-5,500 hailstorms per year with an average of $14.2 billion in damages. Verisk states: “…potentially hidden damage may begin with looking at the most recent hail activity and where it occurred.” They go on to say: “…some storms pass over densely populated areas and set the stage for future claims when the impact of those events finally emerges.” Verisk estimates that 200,000-300,000 Virginia homes are affected by one or more damaging hail events in one year. NOAA states: “Thunderstorms are most likely in the spring and summer months and during the afternoon and evening hours, but they can occur year-round and at all hours.”
The roof is the most susceptible part of the home to damage from these storms. Aluminum siding, gutters, and other exterior materials are also easily damaged by these storms. Hail and wind damage can go unnoticed for months or even years. The age and wear to the roof shingles can make the roof more susceptible to damage from these storms as well and more prone to leaks.
A storm damage restoration specialist is best equipped to handle these repairs and work with your insurance company to best assess the proper and professional scope of work.
Knowing this complete process, how to navigate it, dispute the understanding of damage and how repairs might affect the surrounding materials, will mean the difference of potentially tens or thousands of dollars in additional repairs.