Most insurance companies limit their claims for hail damage to one year.

It’s best to call an Ark roofing advisor as soon as you can following a hail storm. Hail damage can either be ‘functional’ or ‘cosmetic’ in nature. Cosmetic hail damage refers to damage that does not affect the viability of the roof to perform its function.

In 2013, the American Association of Insurance Services, introduced a “Cosmetic Damage Exclusion” to allow insurers to avoid coverage for cosmetic damage. However, sometimes a roof that has been functionally damaged will be passed off as only cosmetically damaged by the insurance company.

At Ark Roofing, our qualified, trained roof inspectors will know the difference and can assist the homeowner to make sure the insurance designation is properly assigned.