Metal Roofing Hail Damage

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Hail Damage to Metal Roofs

several hail dents on metal roof Highland Home Services

Hail is a weather occurrence that can affect most areas of the country one way or another. Metal roofs that are well-constructed can withstand the impact of hailstones quite well. Because metal roofs are impact resistant, damage may be cosmetic in nature and not affect the function of the roofing material itself.

  1. Hail damage to a metal roof can occur in the form of dents, scratches, or both.
  2. Dents in a metal roof are caused by the impact of hailstones, while scratches are caused by debris that is blown around by the wind.
  3. Hail damage can reduce the lifespan of a metal roof by causing it to rust or corrode.
  4. Hail damage is typically covered by insurance policies, but it is important to check with your insurer to be sure.
  5. Metal roofs are more resistant to hail damage than other types of roofs, but they are not immune.
  6. Hailstones that are larger than 1 inch in diameter are more likely to cause damage to a metal roof.
  7. The severity of hail damage to a metal roof depends on the type of metal, the thickness of the metal, and the angle of the impact.

How Can a Hail Event Affect a Metal Roof?

In the industry, especially in architectural applications, discussions about how hail may harm a metal roof are common. The truth is that hail can have a variety of effects on a metal roof.

Since the majority of metal material types, including steel, aluminum, copper, etc., are malleable by nature and can change shape under stress, they are frequently utilized in metal roofing systems.

There are two crucial distinctions when examining how a metal roof may be impacted by hail or other objects: denting vs. puncturing.

Hail damage that results in dented metal roof panels is primarily an aesthetic problem and won’t lead to the roof failing. Denting does not necessitate structural repairs and may be the best-case situation as compared to a punctured roof system, despite the fact that some property owners or homeowners may find it unsightly.

Puncturing: When an object penetrates a roof, the damage is not merely superficial; if it is serious enough, the roof may leak or even fail. Given that most hailstorms produce smaller hailstones, puncturing rather than denting of a metal roof is much less likely to occur. The risk of hail damaging a roof is substantially greater in areas that frequently experience heavier hailstorms.

Factors That Can Affect the Level of Hail Damage on a Roof

The amount of cosmetic or physical damage that hail causes to a metal roof system varies and depends on a number of variables.

Size of the Hail

size of hail stones compared Highland Home Services

Normal-sized hail will not dent a metal roof, but really huge hail will. Minor denting is especially harder to see on textured roofs. Metal with a heavier gauge will be less prone to denting. It is more resilient even though it is not hail resistant.

Strength of Storms

The potential size of the hail will depend on the storm’s intensity. Most storms produce hail with a diameter of less than two inches. To handle this size of impact, metal roofs are routinely tested during technical development. If you reside in an area where more severe hailstorms are frequent, you might want to think about getting a metal roof with ribs or striations to deflect hail impacts.

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Thickness of the Metal

The thickness of the metal itself is another element that may influence the severity of denting or other damage to a metal roof. A 29-gauge roofing system will be more prone to damage than a 22- or 24-gauge metal roof because the higher the gauge, the thinner the steel metal base is. In contrast, aluminum coil is priced according to thickness, with a greater decimal indicating a thicker substrate. A .032 aluminum roof, for instance, is more vulnerable to hail damage than a .040 roof.

Roof Slope

The most of the dents are located where the surface is almost flat, much like how hail damage manifests on an exposed car. The power hail may apply straight to a metal roof’s surface decreases with slope, making denting less likely.

Flat Panels vs. Rib Roller/Striations

The installation of panels with some degree of structure within the flat area of the panel is strongly advised by experts. Striations, bead ribs, pencil ribs, or another rib roller profile are a few examples of how to hide some potential hail damage. Some customers are drawn to the aesthetic of flat panels, but it’s vital to be aware that even a minor hail can leave a roof entirely covered with flat panels with noticeable dents. Therefore, you might want to think about adding a rib roller if you reside in a region where hailstorms are a worry.

Roof Deck Type – Metal Roof Structural Support

Dents are less likely to develop if your metal roof has a strong support that restricts how much the metal can flex. The metal can be pushed by the hail and may dent more easily if the roof is supported by a framework but open underneath.

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Embossed Metal

Embossed metal, like stucco-embossed systems, can also aid in hiding potential dings and dents that a hailstorm might cause to a metal roof. Remember that embossed metal is a specialized item, so it is more expensive.

Paint System Finish

While no paint technique will significantly lessen a depression on a metal roof’s surface, the finish type can make a small difference. While glossy finishes will reflect more light and consequently draw attention to the dents, matte finishes will do a little better at hiding any dimples.

Why Metal Roofs Are Resistant To Hail Damage

Most of us have, at some point or another, walked to our cars following a storm to discover a nasty sight: hail pockmarks on the roof. So it stands to reason that you would ask if a metal roof will also be damaged by hail when you’re thinking about having one installed. When you consider hail roof repairs on such a wide surface, the scale of roofs might cause you to pause.

Metal roofs resist hail damage considerably better than asphalt shingles, fiberglass shingles, or tile. In many instances, they are really regarded as the most durable. This is due to the fact that they don’t split or crack. As they age, shingles, tiles, and other materials like slate tend to become more brittle. As a result, when it hails, it has the potential to penetrate the surface, causing major problems including roof leaks, mold or mildew in the attic, and more. Typically, these issues appear around five years after a roof is installed.

It would take some rather huge hailstones to cause any of these issues on a metal roof. It’s true that extremely huge hail could result in dings (which can frequently blend in with a roof that is already textured), but it usually won’t create significant damage that will harm the inside of your home. In essence, metal roofs serve as a formidable barrier to keep out the elements.

Metal roofing has the advantage of maintaining its impact resistance over time. Metal will continue to withstand hail roof for at least 50 years, unlike other roofing materials like shingle roofs.

Insurance Claims for Metal Roofs and Hail Damage

hail damaged metal roof panel image submitted for insurance claim Highland Home Services

Due to its superior hail protection compared to other roof types, metal roofs are frequently preferred by insurance providers, who offer discounted rates. Examine your insurance policy carefully to determine what is covered and your deductible if your roof has had hail damage or if you want to be ready in case it happens.

All policies vary, however the majority will have provisions on wind and hail damage. Some insurance policies only cover structural damage, leaving out aesthetic harm that doesn’t contribute to roof failure. If you need to replace a roof that has depreciated over time, other plans can offer a monetary value. For information on whether you are protected in the event of damage or whether you need to modify your insurance coverage, read the policy’s fine print.

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Here are some ideas to keep in mind while thinking about metal roof insurance:

Make sure the metal manufacturer is listed with the insurance company from which you are purchasing homeowners or other property owners insurance. Contact the manufacturer if they aren’t listed and inquire about their ability to cooperate with your insurance company. Make sure the manufacturer and insurer will cooperate when filing hail and wind insurance claims.

It’s frequently advised that you involve a contractor up front before making a claim with an insurance provider. For instance, it is not a “apples-to-apples” replacement if the insurance company tries to replace your 24-gauge metal roof with a less expensive 29-gauge metal roof. A dependable contractor can assist you in ensuring that the damage replacement you receive for your money is appropriate.

The cost of insurance is ultimately intended to pay for the things that are significant to you. Don’t accept a waiver for the cosmetic damage exception if the metal roof’s modern, sleek appearance is crucial to you.

Your contractor roofer is an expert in everything related to hail and metal roof insurance. Your queries about hail or wind damage as well as exemptions for cosmetic insurance can be answered by their personnel. If you want to file a claim, they can also help you interact with adjustors and insurance firms.

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Industry Standards for Hail Damage Resistance

What Is An Impact Resistant Roof?

A roof that is impact resistant is made to withstand damage from hail and other flying objects that could dent, scratch, or puncture the roof’s material. These roofs are constructed of strong materials like metal.

A systematic test and ranking methodology assess how impact-resistant a roof is.

UL 2218 Class 4 Testing for Impact Resistance

Underwriters Laboratories (UL) is a testing company that performs numerous consumer tests, such as the UL 2218. The test that establishes the durability of roofing materials is the UL 2218 Standard For Impact Resistance Of Prepared Roof-covering Materials. The material will be rated from Class 1 (least impact-resistant) to Class 4 depending on how well it performs (most impact-resistant).

How Is A Class 4 Rating Assigned For Metal Roofing?

A 2″ diameter steel ball is dropped from roughly two floors onto the roof during the UL’s impact resistance test. Metal roofing panels must not be torn, cracked, split, or opened in any way by the ball in order to receive a Class 4 rating.

Hail Storms in the U.S. Facts

  1. Hailstones can range in size from as small as a pea to as large as a grapefruit, with an average size of around 1 inch.
  2. On average, there are about 100,000 to 250,000 thunderstorms that occur each year in the United States, which produce hail about 4,000 to 6,000 times.
  3. Hail causes an estimated $1 billion in damage to crops and property each year in the United States.
  4. Hailstones fall at speeds of up to 20 miles per hour.
  5. Hailstones are usually transparent or translucent.
  6. The largest hailstone ever recorded in the United States fell in South Dakota on June 23, 2010. It was 8 inches in diameter and weighed nearly 2 pounds.
  7. A hailstorm in Colorado on July 11, 1990, produced hailstones that were as large as softballs.
  8. In the United States, most hail damage occurs in the Midwest and Plains states.

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Metal Roof FAQs

  1. What are the different types of metal roofs?
    There are four main types of metal roofs: corrugated, standing seam, interlocking tile, and shingles. Corrugated metal roofs are the most common type of metal roof. They are made of panels with wave-like corrugations that run vertically along the length of the panel. These panels are usually made of galvanized steel or aluminum and are available in a variety of colors.
  2. What are the benefits of a metal roof?
    A metal roof can last up to three times as long as a conventional asphalt shingles roof, and will often come with a warranty of 20-50 years. They are also highly resistant to fire, high winds, hail, and other severe weather conditions. Metal roofs are also very energy efficient, as they reflect heat away from the home in the summer and help to keep the home warmer in the winter. This can lead to lower energy bills and added comfort for the homeowners.
  3. What are the drawbacks of a metal roof?
    There are a few potential drawbacks to having a metal roof. One is that, depending on the type of metal used, the roof may be susceptible to corrosion. Another potential drawback is that metal roofs can be quite loud during rainstorms or when hail hits them. Additionally, metal roofs can be more expensive than other types of roofs.
  4. What is the lifespan of a metal roof?
    The lifespan of a metal roof is determined by a number of factors, including the type of metal used, the thickness of the metal, the climate in which the roof is installed, and the roofing system used. For example, a galvanized steel roof in a temperate climate will last much longer than an aluminum roof in a tropical climate.
  5. How do metal roofs compare in cost to other roofing materials?
    The cost of a metal roof depends on the price of the metal and the complexity of the installation. Metal roofs are more expensive than asphalt shingles, but they last longer and require less maintenance. Metal roofs are also more energy efficient than other types of roofs, which can offset the initial cost.
  6. How do metal roofs hold up in hail storms?
    Metal roofs are one of the most durable roofing materials available, and they can withstand high winds and hail better than most other types of roofs. Metal roofs are also fire resistant, which is an important consideration in areas prone to wildfires.
  7. What kind of maintenance is required for a metal roof?
    A metal roof is a very durable roofing option and can last for decades with proper maintenance. However, like all roofs, metal roofs will eventually need some repair and maintenance. The most common issue with metal roofs is leaks. Leaks can occur at the seams or around any penetrations in the roof, such as vents, chimneys, or skylights.
  8. How do metal roofs affect home insurance rates?
    There are a few factors that affect how your home insurance rates are calculated, and the type of roof you have is one of them. Metal roofs are known to be more durable than asphalt shingles, so they may result in a lower home insurance premium. The downside is that metal roofs can be more expensive to install, so you’ll need to factor that into your budget.
  9. Are metal roofs more or less fire resistant than other types of roofs?
    Metal roofs are more fire resistant than other types of roofs because they are non-combustible. Metal roofs can withstand high temperatures and are not susceptible to fire spread.
  10. How do metal roofs affect home resale value?
    It is difficult to estimate how much of an impact a metal roof will have on home resale value because there are a number of variables to consider, including the location of the home, the age and condition of the roof, and the type of metal used. In general, however, metal roofs are considered to be a positive addition to a home’s resale value. Metal roofs are known for their durability and energy efficiency, and they can add a unique aesthetic appeal to a home.

As you can see, hail and wind damage on standing seam metal roofs or exposed fasteners on metal roofs may be a complicated subject. Fortunately, most hail and wind occurrences are minor, causing no structural or cosmetic damage to metal roofs. However, if you live in an area where severe hail or wind storms are common, it is best to be ready.