Hail Damage Information | Herrmann Insurance

Common Hail Questions

A: No, even the house next door can be impacted differently
There are many variables that can determine the effects of a hailstorm on a house. The number, size and hardness of hailstones is a major factor. The veolocity and direction of the wind is another factor. A third major factor is the pitch, condition and age of the roof and a fun fact is that roofs with a steep pitch are more likely to have less damage during a storm.

A: The largest hailstone ever recorded was in Vivian, S.D., 2010. It had an 8-inch diameter and weighed 2 lbs.

Yes. The normal weathering process of composition roofing shingles causes most granule loss.

Yes. A reputable roofing contractor can remove individual roofing shingles and replace them with new shingles.

Cover broken window with a tarp or plastic as soon as possible.
Hail rarely causes openings in the roof or siding, but if this occurs, keep your personal safety in mind and only attempt to cover opening if it can be done safely.
Call your insurance agent or State Auto (800-766-1852) as soon as possible, as your insurance policy will likely cover the cost of emergency repairs.
Most homeowner policies have separate deductibles for wind and hail, so check your policy or talk to your agent to verify.

Check references.
Check for prior complaints with the Better Business Bureau or state attorney general’s office. Be wary of unsolicited repair offers.
Don’t believe contractors who say they’re endorsed by the government. FEMA doesn’t endorse individual contractors.
Be suspicious if a contractor tries to rush you.
Have a detailed, written contract.
Never sign a contract that includes blank spaces.
Never pay up front.
Avoid paying with cash so you have a record of your payments.