FAQ

What is a class 4 roofing system?

A Class 4 roofing system refers to a type of roofing material that has passed the UL 2218 or FM 4473 impact resistance test, which is the highest rating available for impact resistance. This test is conducted by subjecting the roofing material to simulated hail impact conditions. Class 4 roofing systems are designed to withstand severe weather conditions, such as hailstorms and strong winds, offering better protection for the structure and its occupants. Common Class 4 roofing materials include impact-resistant asphalt shingles, metal roofing, and certain types of rubber or plastic-based materials.

Why do insurance companies give discounts for class 4 roofing systems?

Insurance companies give discounts for Class 4 roofing systems because these roofs are designed to be more durable and resistant to damage, particularly from hail and wind. This higher level of performance reduces the likelihood of roof-related insurance claims, thereby saving the insurance company money. Consequently, they incentivize homeowners to install Class 4 roofing systems by offering policy discounts.

Why does north Texas receive so much hail?

North Texas receives so much hail primarily due to its location within the region known as “Tornado Alley,” which experiences frequent severe thunderstorms. These thunderstorms are characterized by strong updrafts and wind shear, which are the essential ingredients for hail formation. Warm, moist air from the Gulf of Mexico meets cooler, drier air from the Rocky Mountains, creating volatile conditions that lead to the development of supercell thunderstorms. These storms provide the ideal environment for hailstones to grow, resulting in frequent and sometimes large hail events in North Texas.

Why does insurance pay to replace hail damaged roofs?

Insurance companies pay to replace hail-damaged roofs because a comprehensive homeowner’s insurance policy typically covers damage caused by unexpected, external events like hailstorms. Roof damage can lead to leaks, structural issues, and further damage to the property if left unattended. By covering the cost of repairs or replacement, insurance companies help policyholders protect their investment and maintain the integrity of their homes while also fulfilling the contractual obligations outlined in the insurance policy.

How does hail damage shingles on a roof?

Hail damage to shingles occurs when hailstones, which can vary in size, impact the roof at high speeds. This impact can cause several types of damage to the shingles, such as:

1. Granule loss: The protective granules on asphalt shingles can be loosened or dislodged by hail, exposing the underlying asphalt layer and making the shingle more susceptible to UV damage and deterioration.

2. Cracks or punctures: Larger hailstones can cause cracks, punctures, or even split shingles, compromising their ability to protect the roof from water infiltration and other elements.

3. Bruising: Hail impact can cause dents or bruises to the shingle, which may not be visible initially but can weaken the shingle over time, leading to the potential for leaks or further damage.

4. Lifting or curling: Hail can cause shingles to lift or curl at the edges, which weakens their attachment to the roof and makes it easier for wind or water to infiltrate underneath.

5. Damage to underlying materials: Hail impacts can also damage the underlayment, decking, or other roof components, increasing the risk of leaks and structural damage.

What causes hail?

Hail is caused by strong thunderstorms with powerful updrafts. Inside the storm, water droplets are carried upward by the updrafts, where they freeze into ice pellets. As these pellets are lifted higher, they can collect additional layers of ice by colliding with other supercooled water droplets. When the hailstones become too heavy for the updrafts to support, they fall to the ground as hail. The size of hailstones depends on the strength of the updrafts and the amount of time they spend accumulating ice in the storm.