Does Roof Warranty Cover Hail Damage?

Expert Guidance from S&K Construction and Remodeling LLC

Roofs are a home’s first line of defense against harsh weather conditions, and in Northeast Ohio, hailstorms are not uncommon. Hail can cause significant damage to shingles, gutters, and roof structures, leading homeowners to ask, “Does my roof warranty cover hail damage?”

At S&K Construction and Remodeling LLC, we help homeowners in Cleveland, Mentor, Willoughby, and the greater Northeast Ohio area understand their roof warranties and insurance coverage. As an Owens Corning Preferred Contractor, we offer high-quality roofing materials and expert installation, ensuring your roof remains strong even in severe weather conditions.

In this guide, we’ll discuss:
✔ The different types of roof warranties
✔ Whether hail damage is covered
✔ How to file a claim if your roof is damaged
✔ How S&K Construction and Remodeling LLC can help you with roof repairs and replacements

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Understanding Roof Warranties: What’s Covered?

When you invest in a new roof, it often comes with several types of warranties. However, not all warranties cover hail damage. Let’s break down the different types:

1. Manufacturer Warranty

A manufacturer warranty covers defects in roofing materials, such as shingles, underlayment, and ventilation components.

✅ What’s covered?

• Material defects (e.g., premature deterioration, factory defects)
• Certain performance guarantees (e.g., wind resistance up to a certain speed)

❌ What’s NOT covered?

• Improper installation
• Storm damage, including hail and wind damage
• Damage caused by falling debris or tree branches

2. Workmanship Warranty

A workmanship warranty is provided by the roofing contractor and covers errors in installation.

✅ What’s covered?

• Leaks caused by installation mistakes
• Issues arising from faulty workmanship

❌ What’s NOT covered?

• Weather-related damage (e.g., hail, wind, heavy rain)
• Natural disasters (e.g., tornadoes, hurricanes)

3. Extended Warranty

Some manufacturers and roofing companies offer extended warranties that provide additional coverage, often at an extra cost. These warranties may include limited storm damage protection, but coverage depends on the specific policy.

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Does Roof Warranty Cover Hail Damage?

In most cases, standard roof warranties do NOT cover hail damage because hail is considered an act of nature rather than a manufacturing or installation issue.

Instead, hail damage is typically covered by your homeowner’s insurance policy under the storm damage clause.

When Does a Roof Warranty Cover Hail Damage?

✔ If you purchased an extended warranty with storm protection
✔ If the manufacturer guarantees a certain level of hail impact resistance (e.g., Class 4-rated shingles)

If you’re unsure about your coverage, S&K Construction and Remodeling LLC can help you review your warranty and insurance policy to determine what’s covered.

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How to Tell If Your Roof Has Hail Damage

After a hailstorm, it’s important to inspect your roof for signs of damage. Even small hailstones can cause significant issues over time.

Signs of Hail Damage on a Roof

✔ Dents or bruises on shingles
✔ Missing granules, exposing the black asphalt underneath
✔ Cracked or broken shingles
✔ Damaged flashing or vents
✔ Leaks or water spots on ceilings inside your home

Hail damage weakens your roof, making it more susceptible to leaks, mold, and further deterioration. If you suspect hail damage, contact S&K Construction and Remodeling LLC for a free roof inspection.

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Filing an Insurance Claim for Hail Damage

If your roof has been damaged by hail, you’ll likely need to file a claim with your homeowner’s insurance. Here’s a step-by-step guide:

Step 1: Document the Damage

✔ Take clear photos of the hail damage on your roof, gutters, and siding
✔ Note the date and time of the storm
✔ Check for hailstones in your yard and measure their size

Step 2: Contact Your Roofing Contractor

Call S&K Construction and Remodeling LLC to schedule a professional inspection. We will:

• Assess the hail damage
• Provide a detailed inspection report
• Help you determine if a claim is necessary

Step 3: File Your Claim with Insurance

✔ Contact your home insurance provider
✔ Submit the inspection report and photos
✔ Schedule an adjuster visit to verify the damage

Step 4: Get Your Roof Repaired or Replaced

Once your claim is approved, S&K Construction and Remodeling LLC will handle your roof repairs or full replacement efficiently, with zero-down financing options available.

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Protecting Your Roof from Future Hail Damage

Since hail damage is often not covered by standard warranties, homeowners should take steps to prevent damage before it happens.

Tips to Protect Your Roof from Hail Damage

✔ Choose Class 4 impact-resistant shingles – These high-quality shingles, like Owens Corning Duration Shingles, are designed to withstand hail impacts.
✔ Schedule regular roof inspections – Identifying weak spots can help prevent severe damage.
✔ Maintain proper attic ventilation – Helps reduce heat buildup, keeping shingles from becoming brittle.

At S&K Construction and Remodeling LLC, we install durable, weather-resistant roofing systems that help protect your home from hail, wind, and other severe weather conditions.

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Why Choose S&K Construction and Remodeling LLC for Your Roofing Needs?

Homeowners across Cleveland, Mentor, Willoughby, and Northeast Ohio trust us because:

✔ Owens Corning Preferred Contractor – We use only top-quality materials
✔ Fast & Efficient Installations – Most jobs completed in 1 business day
✔ 4.7-Star Google Reviews – Customers love our top-notch service
✔ Zero-Down Financing Available – Making roofing affordable for every budget
✔ Free Inspections & Estimates – No obligation, just expert advice

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Final Thoughts: Does Your Roof Warranty Cover Hail Damage?

In most cases, roof warranties do NOT cover hail damage, but your homeowner’s insurance policy likely does. If you experience a hailstorm in Northeast Ohio, S&K Construction and Remodeling LLC is here to help with:

✅ Free roof inspections
✅ Insurance claim assistance
✅ Professional roof repairs and replacements

📞 Call S&K Construction and Remodeling LLC today for a FREE estimate!
🏠 Serving Cleveland, Mentor, Willoughby, and all of Northeast Ohio!

Let’s protect your home with a strong, weather-resistant roof that lasts! 🚀