How Do I Know If My Roof Has Storm Damage?

Asphalt shingle roof covered in a layer of hail.

Identifying Storm Damage

Spring is the most common time of the year for hailstorms here in Texas, but that’s not to say we’re immune to random cold fronts that bring hail all year long. With heavy rains, high winds, and various sizes of hailstones, a home in this part of the country isn’t a stranger to storm damage

Storm damage to roofing is the biggest insurance claim by homeowners all across this state, including this area down south. We have the cold fronts from the north that bring hail and we have hurricanes from the south that generate hail. But what is storm damage to a roof exactly? 

Sometimes that’s obvious, and you know it’s time to find quality repairs for storm damage in League City, TX. When that happens, reach out to Professional Roofing Systems at (281) 338-7663 to get the help you need. 

Common Signs of Storm Damage

Storm damage specialists provided this list of roof storm damage that you may experience: 

  • Wind: Winds of 74 mph or faster are considered hurricane-force winds, and gale-force winds are clocked at 39 to 54 mph. These winds will cause visible storm damage to your ripping or tearing off shingles, which leaves the underlayment, roof decking, and any waterproof material exposed to more rain and other elements. Even a less severe storm that has sharp and sudden gusts can curl and lift shingles off the roof. 
  • Hail: Yes, a hailstorm is usually short-lived, but can it do the damage in those few minutes! The hailstones make dents and pockmarks on the shingles, knocking off shingle granules. Once the shingles lose their granules, they lose a layer of protection from the rain and sun.
  • Standing Water: If your roof doesn’t have good drainage, water will back up under the shingles and puddle up anywhere that isn’t sloped to drain. Clogged gutters are often what create poor drainage, and that refers back to the hail damage knocking granules off the shingles. 
  • Debris: High winds from a severe storm can blow debris up on your roof, including tree branches and tree limbs. These can call dent the roof as they land, knocking shingles loose and granules off. 

How do you know if your roof is damaged?

Roof damage and issues will add up quickly if you aren’t on top of getting repairs made as soon as you notice any amount of storm damage. Professional storm damage services recommend watching out for six things.

Old Records

The lifespan on most roofs is 30 years maximum, depending on how well you keep it maintained and the weather. Other factors that will determine the life of your roof are the quality of the materials and workmanship when it was installed. If your roof is reaching the 20-year mark, it is time to start shopping for a new roof because you can be certain there is some storm damage somewhere. 

Attic Issues

Examine the attic for water stains running between the ceiling and walls, water damage to the insulation and rafters. If you see any mold, then you have a moisture build-up of some level. Even the smallest dripping leak will turn into a bigger and more expensive problem. 

Damaged Shingles

From outside, look up and notice if the shingles are lying flat to the roof, or are they buckled and curled? If they are, you can be certain they are probably cracked and otherwise damaged, all indications that you have either storm damage or sun-beaten roofing and it is time for a new roof.  

The Seals

Check the roofing seals around the chimney, skylights, and vents. If the flashing is missing or loose, then you have a good chance that rain has gotten up under the shingles. 

Sagging 

A roof that is drooping or sagging is an indication that the roof decking and rafters are weak. There are probably rotting boards and trapped moisture, which need immediate attention for repairs or replacement. 

Mold and Moss

Do you notice any fungi, mold, or moss on the roof, especially on the shady side? This is an indication that there is moisture build-up, which has mildewed the roof and created mold that is spreading. Mold can make everyone in your home get sick as it gets pulled up in the vents and travels through the air ducts. 

What are the signs of a leaking roof?

Here are four indicators that you have a leaking roof on your home: 

  • Ceiling Has Stains & Wet Spots 

The only thing more obvious would be a huge hole with water gushing in. Stains and wet spots on the ceiling are usually an indicator of roof storm damage like missing shingles and other materials, like flashing. 

  • Attic Moisture & Mold 

Moisture and mold in the attic can be caused by a leaking roof caused by storm damage, the attic doesn’t have sufficient ventilation, or the appliances and plumbing ventilation isn’t vented to the outside. 

  • Roof Deck Wet

When the roof deck is visibly wet, that’s one problem. Finding out why it is wet is another problem. Either way, it is typically from storm damage. 

  • Rusted Stove Pipe

If you see rust around or water coming down a fireplace pipe, this indicates the flashing is loose or missing and you have roof damage. This can be storm damage, or simply the flashing has come loose and needs to be re-attached or replaced. 

Is storm damage covered by insurance?

For homeowners, this is always a big question, and the answer about storm damage and insurance claims is always “it depends”. You call your insurance company and file a storm damage claim. They send an adjuster out to inspect the storm damage. If they determine the storm damage was caused by owner neglect, meaning you should have repaired or replaced the roof sooner, then your claim will be denied. 

Tile roof damaged by hail.

In Closing – What is not covered under homeowners’ insurance?

Sometimes, it appears homeowner’s insurance doesn’t cover more than it does. Here is a brief list of what most insurance policies will not provide coverage with: 

  • Bird damage
  • Insect damage
  • Termite damage
  • Mold, rot, and/or rust
  • General wear and tear
  • Smoke or smoke damage from agricultural or industrial operations
  • A poorly installed or manufactured item

If you need help with roof repairs for storm damage in League City, TX, there’s no reason to delay. Reach out to the Professional Roofing Systems team today by calling at (281) 338-7663.