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I DON'T SEE ANY HAIL DAMAGE, WHATS THE FUSS ALL ABOUT?

Hail Damage can't be easily seen from the ground. You wont actually see holes through the roof, but depending on the size of the hail, it can drastically shorten the life span of your roof. It takes a trained roofing professional to identify these damages for you. A good sign to look for is damage to your siding, vehicles, or if you have noticed your neighbors getting new roofs, chances are you have hail damage as well.

UNDERSTANDING HAIL DAMAGE

Hail has to be the size of a golf ball before it will pierce through your roof or cause major bruising. Sometimes these types of damages are easily overlooked because they don't show up quickly. Once hail has struck your roof  the integrity of your roof is compromised so don't take any chances. Even small sized hail can cause your roof to suffer severe damage when driven by high winds. The loss of granule layers will leave shingles exposed to the suns UV rays. This will cause serious deterioration of the shingle rather fast. 

WILL MY INSURANCE PREMIUM INCREASE IF I FILE A ROOF CLAIM?

Absolutely NOT. Your homeowner's insurance doesn't work like your Auto Insurance. You will not be penalized for filing a claim. Weather damage falls under the "Act of God" clause. Rate increases are based on your geological location or zip code. If you are in an area that has sustained substantial storm damage, your rates may increase even if you don't file a claim.