{"id":271,"date":"2023-08-15T07:53:33","date_gmt":"2023-08-15T07:53:33","guid":{"rendered":"https:\/\/staples_site.designs.brafton.com\/?page_id=271"},"modified":"2023-09-07T12:21:27","modified_gmt":"2023-09-07T12:21:27","slug":"wind-and-hail-damage","status":"publish","type":"page","link":"https:\/\/staples_site.designs.brafton.com\/index.php\/types-of-loss\/wind-and-hail-damage\/","title":{"rendered":"Wind and Hail Damage"},"content":{"rendered":"\n
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Assessing Wind and Hail Damage<\/h1>\n<\/div>\n\n\n\n
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A pock-marked roof. Missing shingles. Siding with dangling or loose clapboards. The company car covered with dents and dings. These are all classic signs of wind and hail damage. If your property has been affected by severe weather, Staples Consulting Group can help you recover with expert inspection, estimation, appraisal and umpiring services that have made a lasting impression on our clients. Based in Houston, we are keenly familiar with what wind and hail damage look like and can help put your property back into pre-loss condition through our custom solutions.<\/p>\n\n\n\n

If your property has been affected by severe weather, Staples Consulting Group can help you recover with expert inspection, estimation, appraisal and umpiring services that have made a lasting impression on our clients. Based in Houston, we are keenly familiar with what wind and hail damage look like and can help put your property back into pre-loss condition through our custom solutions.<\/p>\n\n\n\n

What is hail?<\/strong><\/strong><\/h2>\n\n\n\n

Hail refers to pellets of frozen rain that typically fall from cumulonimbus clouds. Extending into the upper atmosphere, cumulonimbus clouds are often associated with storm activity, as they can produce thunderstorms, heavy rain and strong wind gusts.<\/p>\n\n\n\n

When strong updrafts within thunderstorms carry raindrops to higher altitudes where temperatures are below the freezing point (32 degrees Fahrenheit), the rain turns into ice-like concretions in the air as they hurtle toward the earth. Wide-ranging in diameter \u2014 from the tinyness of a pea to the width of a softball \u2014 hailstones can cause minor to major damage to structures like rooftops, the siding of homes and buildings, car windshields, boats and much more. According to the Insurance Information Institute, Texas tends to see more hail storms than any other state.<\/p>\n\n\n\n

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How does hail differ from other types of frozen precipitation?<\/h2>\n\n\n\n

What makes a hailstone “hail” \u2014 rather than sleet (also called ice pellets) or freezing rain \u2014 is its size. The National Oceanic and Atmospheric Administration define hail as frozen precipitation that has a diameter of at least 0.2 inches.<\/p>\n\n\n\n

Another differentiating factor is the seasons in which sleet and hail occur. While it is most common during winter storms when the snow melts as it falls, hail storms can take place throughout the year.<\/p>\n<\/div>\n<\/div>\n\n\n\n

What does hail damage look like?<\/strong><\/strong><\/strong><\/h2>\n\n\n\n

Just as hailstones come in various shapes and sizes, hail damage can take on various forms. The factors influencing the extent and severity of hail damage include the speed with which hail is falling, the size of the hail, strong wind gusts that contribute to how quickly hail is moving and the type of surface that it strikes \u2014 such as an asphalt shingle roof, metal car hoods or downspouts made of aluminum or stainless steel. Generally speaking, the softer the material, the more substantial the property damage tends to be. <\/p>\n\n\n\n

Examples include:<\/p>\n\n\n\n

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Dents, dings, scratches and indentations in metal surfaces such as car hoods, roofs and gutters.<\/p>\n<\/div>\n\n\n\n

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Broken or cracked windows and\/or skylights.<\/p>\n<\/div>\n\n\n\n

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A missing shingle or shingles on rooftops. <\/p>\n<\/div>\n<\/div>\n\n\n\n

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Holes or cracks along the siding of homes, offices and buildings.<\/p>\n<\/div>\n\n\n\n

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Damage to outdoor equipment or furniture, such as chairs and tables. <\/p>\n<\/div>\n\n\n\n

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Why are wind and hail damage coverage grouped together?<\/h2>\n\n\n\n

When reviewing your insurance, you may have noticed how coverage for wind and hail damage is frequently conjoined. This is mainly done to help insurance companies determine the amount that they pay for repairs and what the policyholder is responsible for (i.e. the deductible) based on the source of the wind damage. There are generally two types of deductibles:<\/p>\n\n\n\n