Marathon Hail Storm — Roof, Gutter & Siding Damage Report

How Hail Storms Damage Your Roof

Hail storms damage roofs through direct impact, and the severity of this damage depends on hail size, wind speed, and the age and material of your roofing system. For asphalt shingle roofs, the most common type in Marathon, 1-inch hail can cause significant granule loss. These granules protect the asphalt mat from UV rays and provide crucial weather resistance. When dislodged by hail, the exposed asphalt ages rapidly, becoming brittle and susceptible to cracking and breakdown, severely reducing the roof's lifespan and protective capabilities.

Beyond granule loss, hail impacts can also bruise the shingle mat, creating soft spots or depressions that are not always visible immediately but can weaken the shingle structure. Over time, these bruised areas can crack or blister, leading to water infiltration. For other roofing materials, the damage manifests differently: metal roofs can suffer dents and compromise protective coatings, leading to rust. Wood shake roofs may splinter or crack upon impact, and flat membrane roofs can experience punctures or tears, creating direct pathways for water.

It's important to recognize that hail damage often isn't uniform across the entire roof. Areas facing the direction of the storm's strongest winds are typically hit hardest. Additionally, damage may not lead to immediate leaks, but rather to a compromised roof that will fail prematurely during subsequent weather events, such as heavy rain or snow. This latent damage underscores the necessity of a thorough, professional roof inspection after a hail storm, even if no obvious signs of damage are apparent from the ground.

Signs of Storm Damage to Look For

Storm Damage Services & Cost Estimates

Storm damage often extends beyond the roof. Here are common repair services and estimated costs for an average home.

Check Your Roof Right Now

Insurance Claim Guide

Navigating an insurance claim after a hail storm can feel overwhelming, but taking a structured approach will streamline the process. Your first step after confirming potential hail damage with a professional inspection is to contact your homeowner's insurance provider as soon as possible. Most homeowner policies do cover storm damage, including hail, but policies have deductibles, which is the amount you pay out of pocket before your insurance coverage kicks in. Gather documentation like photos or videos of any visible damage, and keep detailed notes of all communications with your insurance company and roofer.

When you file your claim, your insurance company will typically send an adjuster to inspect the damage. It is highly advisable to have your chosen roofing contractor present during this adjuster visit. A professional roofer can point out damage that might be overlooked by an adjuster who isn't a roofing specialist, ensuring a comprehensive assessment. Be prepared to provide the adjuster with any documentation you've collected, and clarify any questions about your policy, such as your deductible amount and coverage limits for roof replacement versus repair.

A common pitfall homeowners face is delaying the claim, as many policies have time limits for filing. Another is accepting the first settlement offer without a thorough review by your roofer, who can ensure the scope of work and compensation accurately reflects the necessary repairs or replacement. Read your policy carefully to understand what is covered, and don't hesitate to ask your insurance company for clarification. A proactive approach, coupled with professional guidance, is key to a successful storm damage claim.

Choosing a Roofer After This Storm

After a significant event like the May 27th hail storm in Marathon, you will likely see an influx of roofing contractors. It is crucial to exercise caution when choosing who repairs your home. Be wary of "storm chasers"—out-of-state contractors who arrive quickly after a storm, often offering suspiciously low bids or pressuring you into signing contracts on the spot. These companies frequently lack local ties, can disappear before the work is completed, or provide subpar repairs with no long-term accountability or warranty support.

Instead, prioritize choosing a local, reputable roofing contractor with established roots in the Marathon community. A local roofer is familiar with Marathon's specific building codes and weather patterns, and their reputation depends on satisfied local customers. Always ask for proof of licensing and insurance. A legitimate contractor will carry general liability insurance and workers' compensation, protecting you from financial responsibility if an accident occurs on your property. Request a detailed, written estimate that clearly outlines the scope of work, materials to be used, and the total cost.

Furthermore, inquire about warranties—both for the materials used and for the workmanship provided by the contractor. A strong warranty offers peace of mind and protection if issues arise down the line. Check references from other homeowners in Marathon, and look for online reviews or testimonials. A trustworthy local roofer will be transparent about their process, communicate effectively, and stand behind their work long after the storm has passed.

Marathon Roofing Specifics

Marathon, WI, like any community, has specific considerations when it comes to roofing, especially after a hail event. Local building codes dictate the minimum standards for roof repairs and replacements, ensuring that new installations meet modern safety and durability requirements. These codes are in place to protect homeowners and ensure structures can withstand local weather conditions, so any reputable contractor working in Marathon will be knowledgeable about and adhere to these regulations, potentially requiring upgrades during a replacement.

The common construction styles in Marathon often feature sloped roofs, predominantly covered with asphalt shingles, designed to efficiently shed the heavy snow and rain typical of Wisconsin weather. After a hail storm, it's particularly important to consider how the repairs will stand up to Marathon's harsh winters, which include significant snow loads and freeze-thaw cycles. Proper ventilation and adequate insulation become even more critical when a roof's integrity has been compromised by hail, to prevent issues like ice damming and moisture accumulation that can lead to further damage inside the home.

Frequently Asked Questions