Hail on the roof - how do you tell it’s damaged?

TravelTiger · Apr 29, 2020

Here’s some pics of the hail we got Tuesday night. My small SUV was partially protected with some light tree coverage, and received some pretty big dings from the hail. I checked the rv roof (no protection) and found sporadic “dents” in the membrane, but no damage to vents or shrouds. The curved edge of the roof also has some dings.

For those of you who have experienced hail damage on an rv roof, what is your opinion? Trying to decide whether this should be a claim.

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TahoeCamper · Apr 29, 2020

Definitely on your car. What's to lose filing a claim for the RV roof. At least you might get an inspection by a qualified person to access possible damage and recommend repair. You might see an increase in your insurance policy. Good luck!

TravelTiger · Apr 29, 2020

Yes the car has definite damage, many look to be about penny-sized dents. The car pics are for reference to understand the impact of the hailstorm.

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Jesstruckn/Jesstalkn · Apr 29, 2020

Wow thats horrible

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jnbhobe · Apr 29, 2020

They will be able to PDR all the car damage except the one big one. The RV don't look bad let the insurance check it, it's a COMP claim so it shouldn't affect your INS.

dykesj11 · Apr 30, 2020

Our RV is insured with Progressive. The adjuster was out for some non-hail related damage and we were talking about hail damage since I had had some minor dings on the truck when in Elkhart last year. Anyway, he said it is always best to submit a claim on hail damage because they can be more complicated and expensive than you might think. He also said a qualified adjuster will be able to see damages the owner might miss. It doesn’t cost to get it checked and as someone here said, it won’t impact your rate.

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jnbhobe · Apr 30, 2020

Jim is spot on with hail damage, My truck and camper damage from Goshen was over 14K with 10K on the truck with no paint work.

carl.swoyer · Apr 30, 2020

TravelTiger said:
Here’s some pics of the hail we got Tuesday night. My small SUV was partially protected with some light tree coverage, and received some pretty big dings from the hail. I checked the rv roof (no protection) and found sporadic “dents” in the membrane, but no damage to vents or shrouds. The curved edge of the roof also has some dings.

For those of you who have experienced hail damage on an rv roof, what is your opinion? Trying to decide whether this should be a claim.

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I personally think you should submit a claim on the roof as the membrane is damaged.And how will you know if the damages won't cause premature failure because of the dent in the fabric.

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Flick · Apr 30, 2020

Good advice. I’d submit the claim if for no other reason, if it’s denied you’ll have a record that shows it has been submitted out of concern for damage or a leak that may show up later. May want to roll out your awnings and check them.

jayc · Apr 30, 2020

About a month ago I had a claim on hail damage to the back window of the trailer being broken. Insurance company never sent an adjuster out and mailed a check to the dealer. Still waiting on the glass to come in from Heartland.

Nabo · Apr 30, 2020

When TN was hit with a hail storm in 2011, many campers were damaged. Our dealer said to turn in a claim immediately. The problem with campers is that since the roof is of membrane (EPDM) material, the hail weakens the membrane by stretching the material and possibly damaging the plywood underneath. This could sets up water damage to both the membrane and plywood underneath later on as the membrane weakens.

Gary521 · Apr 30, 2020

You may want to look at the cooling fins on your air conditioner. Sometimes hail will compress the fins and hurt their efficiency. We get a lot of hail here in Colorado and this has happened to mine.

TravelTiger · Apr 30, 2020

Gary521 said:
You may want to look at the cooling fins on your air conditioner. Sometimes hail will compress the fins and hurt their efficiency. We get a lot of hail here in Colorado and this has happened to mine.

Thanks Gary, I forgot to look at the fins!

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jleavitt11 · Apr 30, 2020

Flick said:
Good advice. I’d submit the claim if for no other reason, if it’s denied you’ll have a record that shows it has been submitted out of concern for damage or a leak that may show up later. May want to roll out your awnings and check them.

FYI.. Most (not all but most) insurance companies treat a claim that was denied or paid 0 the same as a claim that paid for damage. You could file a claim to be safe only to have your rates increased at the policy renewal because of a claim that paid nothing.

wdk450 · Apr 30, 2020

I guess the big questions are how much is the dollar value of the damage and how big is your deductible?

carl.swoyer · Apr 30, 2020

wdk450 said:
I guess the big questions are how much is the dollar value of the damage and how big is your deductible?

Deductable and dollar value. I'm thinking it's certainly worthy of a claims adjuster coming out to see. If they replace the roof and say 500 or 1000 dollars for the deductible he is still ahead.
I personally think they should submit it.

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TravelTiger · Apr 30, 2020

wdk450 said:
I guess the big questions are how much is the dollar value of the damage and how big is your deductible?

Deductibles: RV - $0, Auto - $499

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cookie · Apr 30, 2020

Ericka, I just had a couple of adjusters come out to the house this week. They saw damage on the house and vehicles that I never picked up on, a lot of it.
So it might be a good idea to file a claim, there might be damage that you don't see.

Peace
Dave

wdk450 · Apr 30, 2020

carl.swoyer said:
Deductable and dollar value. I'm thinking it's certainly worthy of a claims adjuster coming out to see. If they replace the roof and say 500 or 1000 dollars for the deductible he is still ahead.
I personally think they should submit it.

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I wholeheartedly agree. The insurance companies don't charge you for an adjuster to come out and inspect and estimate.

- - - Updated - - -

TravelTiger said:
Deductibles: RV - $0, Auto - $499

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We are probably all in different situations with deductibles. My RV deductible is $1000.

TravelTiger · Apr 30, 2020

wdk450 said:
I wholeheartedly agree. The insurance companies don't charge you for an adjuster to come out and inspect and estimate.

- - - Updated - - -

We are probably all in different situations with deductibles. My RV deductible is $1000.

We have fulltimers coverage a have a “disappearing deductible.” We have been with Progressive for 10 years.

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Hail on the roof - how do you tell it’s damaged?

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