All Hail! Spring Begins The Hail Season

By
Home Inspector with Jay Markanich Real Estate Inspections, LLC

All hail!  Spring begins the hail season.  Every year!

Hail is a weather event that can cost us!  It costs homeowners some $1 billion annually in roof and siding claims.

I recently had a "roofer" come to my house saying that I had hail damage on my roof - FROM A HAIL EVENT THAT HAD HAPPENED A YEAR AND A HALF EARLIER!   He said they would do all the work with the insurance company and that it would cost me nothing!

Not remembering such an event, I immediately dismissed him as a scam artist and not a roofer.  But I went up and looked at my roof nonetheless.  Finding nothing I contacted a friend who is a roofer for twenty years (I refer him a lot - he is on my very short list of referred contractors).  Coming to the house, he confirmed my suspicion that there was no hail damage.  He did make other recommendations, which I went with, and he "tuned-up" my roof.

Many houses in our neighborhood had their roofs replaced, with this "company" apparently doing their negotiations.

Insurance companies have very sophisticated ways of determining if there has been hail damage.  They measure dimples, hail direction, and the like.

I am less sophisticated in my analysis - I look at metal ridge-vent denting, severe granular damage on the shingles and I look for extensive granular discharge at the bottoms of downspouts.

Insurance companies also look for those indicators also.

WHAT IS HAIL?

Small ice cubes, essentially, pellets of frozen water vapor that develop inside thunderstorm clouds.

Warm air rises from the ground and meets very cold air moving downward from inside the large, puffy clouds.  Rain gets carried upward by the warm air, and into freezing temperatures. 

Small "stones" develop, fall and thaw, completely or partially into small spheres.

This freezing, thawing, re-freezing cycle can happen over and over again, with these small spheres getting larger each time.  The eventually-larger and heavier, frozen spheres fall, carried downward by the cold air drafts.  The larger the hail stones, the more damage they can produce!

Hail that is about the size of a half dollar, or 1 1/4" in diameter, is what it takes to damage newer composite asphalt or wood-shake shingles.  That is about the size of the coin you see to the left (and 1953 was a VERY good year...).

NOW THAT'S A SIZABLE HAIL STONE!

For older roofs damage can be demonstrated when the stones get to be about the size of a nickel, or 3/4".

Here is where the game begins.  The "contractor" then comes to the house, after the storm is in the recent or long past, and claims you have damage.  He will fix it for you!

When there is a hail storm with stones of 3/4" or more, it will definitely make the news.  If you don't remember such an event, like in my case where the "contractor" claimed there was such a storm a year and a half earlier, do your own research!  And if you have damage, find a bona fide* roofer!  Your insurance company will help to determine if there was damage, but a bona fide roofer will be able to make your case.

My recommendation:  hail is an odd circumstance.  It can affect one side of a street and not the other.  Damage can be severe on one side and not so severe on the other.  This can be true even on one side of a roof and not the other!  It really does take investigation.  But be sure your investigator is a bona fide contractor, and not the fly-by-night operator there to make a quick buck.  False claims help nobody.

* The words "bona fide" come from the Latin words meaning "with good faith."

 

 

Posted by

Jay Markanich Real Estate Inspections, LLC  

Based in Bristow, serving all of Northern Virginia.

Office (703) 330-6388   Cell (703) 585-7560

www.jaymarinspect.com


close

This entry hasn't been re-blogged:

Re-Blogged By Re-Blogged At
Topic:
ActiveRain Community
Location:
Virginia Prince William County Bristow
Groups:
WeBlog Anything (almost)!
Best Practices
Adventures in Home Inspecting
Addicted to Active Rain
Professional Home Inspectors
Tags:
hail damage
hail
roof damage

Spam prevention
Show All Comments
Rainer
276,890
Kathryn Maguire
GreatNorfolkHomes.com (757) 560-0881 - Chesapeake, VA
Serving Chesapeake, Norfolk, VA Beach

I guess that guy did not know you were an inspector!  Makes me mad that these folks don't find a real line of work.  Great warning!  But Lenn is right.....don't hire anyone that just shows up on your doorstep!

Apr 19, 2012 03:46 AM #14
Rainmaker
1,254,543
Jay Markanich
Jay Markanich Real Estate Inspections, LLC - Bristow, VA
Home Inspector - servicing all Northern Virginia

Did it dent the green James?  Makes for difficult putting!

Kathryn - we often have to learn things the hard way.  And when you get faked out by the Girl Scouts, well, it's time to avoid the door altogether.

Apr 19, 2012 03:54 AM #15
Rainmaker
572,825
Chris Smith
Re/Max Chay Realty Inc., Brokerage - New Tecumseth, ON
South Simcoe, Caledon, King, Orangeville Real Esta

Jay, I had no idea that Hail causes this much damage.  I am going to research and see if the damage to Canadians is relatively the same.

Apr 19, 2012 04:14 AM #16
Rainmaker
637,561
James Quarello
JRV Home Inspection Services, LLC - Wallingford, CT
Connecticut Home Inspector

I can't remember the last time there was a hail storm up here. In fact I can never remember having a storm that produced big hail. 

Apr 19, 2012 04:21 AM #17
Rainmaker
1,254,543
Jay Markanich
Jay Markanich Real Estate Inspections, LLC - Bristow, VA
Home Inspector - servicing all Northern Virginia

Chris - seeing yours and Jim's comment, it makes me wonder if it is only something that happens in warmer areas! 

Jim - it would seem to me that you all, and further north, would get hail as it is cold up there, certainly in higher altitudes.  But maybe your ground temps are not warm enough to produce the freeze/thaw cycles.

Apr 19, 2012 04:30 AM #18
Rainmaker
1,143,178
Lisa Von Domek
Lisa Von Domek & Associates LLC, Real Estate Broker/Associate with Real Living Real Estate Group www.LisaVon.com - Dallas, TX
....Experience Isn't Expensive.... It's Priceless!

Good morning Jay,

With the number of hail storms in our area, the "scammers" are always out in full force.  I recently had the pleasure of bursting one's bubble when they came knocking...so much fun!

Apr 19, 2012 04:30 AM #19
Ambassador
1,096,923
Charles Buell
Charles Buell Inspections Inc. - Seattle, WA
Seattle Home Inspector

Jay, that is another one of those extreme weather events that rarely happens around here.  It happens---but the pellets rarely get over a 1/4 inch.  Did you see that picture----in the news a few days ago---of hail 4 feet deep?

Apr 19, 2012 07:21 AM #20
Rainmaker
368,618
Robin Dampier REALTOR®
Coldwell Banker King - Hendersonville, NC
Hendersonville & Western NC Real Estate Source

Great info for all on hail and the havoc it can cause.  When I hear about golf ball size hail I think what damage that could do you personally if it struck you let alone all the vechicles, roofs, etc.  Hail is among an insurance company's fears I'm sure.  And yes, beware of the scammers coming to your door.

Sue of Robin and Sue

Apr 19, 2012 07:56 AM #21
Rainmaker
373,928
Donald Hester
NCW Home Inspections, LLC - Wenatchee, WA
NCW Home Inspections, LLC

Jay, We get a scammers also but it usually from wind storms. They come fix the roof (poorly I may add) and off they go.

Apr 19, 2012 08:18 AM #22
Rainmaker
1,254,543
Jay Markanich
Jay Markanich Real Estate Inspections, LLC - Bristow, VA
Home Inspector - servicing all Northern Virginia

I bet Lisa.  Every time there is a disaster, the scammers are out in force.  Like roaches at night...

I didn't Charlie, but that is a WHOLE bunch of hail!

Sue - golf balls flying that fast would damage most anything and these ice stones are about as hard!

Don - I don't know the quality of these scammers in my neighborhood, but time will tell!

Apr 19, 2012 12:49 PM #23
Rainmaker
224,857
Tom Bailey
Crystal Coast Realty & Home Services, LLC - Atlantic Beach, NC

Jay, Great post and so true about the scammers. I am like Lenn above I do not do business with anybody that knocks on my door. At least a roof can be fixed. I spent a long time in the automotive business and try fixing a car or truck after a big hail storm.

Apr 19, 2012 07:10 PM #24
Rainmaker
1,254,543
Jay Markanich
Jay Markanich Real Estate Inspections, LLC - Bristow, VA
Home Inspector - servicing all Northern Virginia

That is another interesting side of the hail damage saga Tom, with its own scammers I am sure.

Apr 20, 2012 02:15 AM #25
Rainmaker
224,857
Tom Bailey
Crystal Coast Realty & Home Services, LLC - Atlantic Beach, NC

Jay, there are not a lot of scammers on the repair side because there is no way to fix the problem short of replacing every panel on the vehicle. The scams come from people who try to sell the cars that have small damage.

Apr 20, 2012 04:07 AM #26
Rainmaker
1,254,543
Jay Markanich
Jay Markanich Real Estate Inspections, LLC - Bristow, VA
Home Inspector - servicing all Northern Virginia

I have heard that the dings can be pulled out.  No so?

Apr 20, 2012 04:24 AM #27
Rainmaker
224,857
Tom Bailey
Crystal Coast Realty & Home Services, LLC - Atlantic Beach, NC

Big ones can be pulled out with out too much trouble. A lot of small ones can be almost unfix-able.

Apr 20, 2012 10:50 AM #28
Rainmaker
1,254,543
Jay Markanich
Jay Markanich Real Estate Inspections, LLC - Bristow, VA
Home Inspector - servicing all Northern Virginia

That makes sense Tom.  Maybe filling it with Silly Putty and just painting over it.  I heard Silly Putty has a million uses!  That's what the TV commercial said anyway.

Apr 20, 2012 02:43 PM #29
Rainer
333,212
Paul Gapski
Berkshire Hathaway / Prudential Ca Realty - El Cajon, CA
619-504-8999,#1 Resource SD Relo
 

Thank you for sharing your blog; we need Real estate Professionals to share their comments and information regarding their markets and experiences. Thanks again from beautiful Sunny San Diego

Jul 17, 2012 06:56 AM #30
Rainmaker
1,254,543
Jay Markanich
Jay Markanich Real Estate Inspections, LLC - Bristow, VA
Home Inspector - servicing all Northern Virginia

Thanks Paul, you found an oldie but a goodie!  And that jersey seems a bit out of place.  Shouldn't it be burgundy and gold?

Yes, I'm sure it should.

Jul 17, 2012 09:36 AM #31
Rainer
333,212
Paul Gapski
Berkshire Hathaway / Prudential Ca Realty - El Cajon, CA
619-504-8999,#1 Resource SD Relo

They way my chargers have been playing maybe so....lol

sorry for your tough lost againt the Patriots, They have our number too. So hard to beat the best Quarterback though of Brady!

Take Care Jay

Jul 20, 2012 06:58 AM #32
Rainmaker
1,254,543
Jay Markanich
Jay Markanich Real Estate Inspections, LLC - Bristow, VA
Home Inspector - servicing all Northern Virginia

We'll see how the year unfolds Paul.  Every year we win the off season and suck thereafter!

Jul 20, 2012 10:56 AM #33
Show All Comments
Rainmaker
1,254,543

Jay Markanich

Home Inspector - servicing all Northern Virginia
You may contact me anytime...
*
*
*
Spam prevention

Additional Information