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goodie59
3 Posts |
 Posted - 01/05/2004 : 12:58:33
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| 2 1/2 yrs. ago I filed a claim for hail damage and the inspector didn't see anything that related to hail damage. Now 2 1/2 yrs has passed and I went into my attic and the boards have turned black due to moister (I think?). The reason I think that is because when I look up and see the tips of the roofing nails turned to a rust color. Do you think this could be hail damage and do you think it can be proven? |
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JimF
USA
1014 Posts |
Posted - 01/05/2004 : 14:03:38
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| To answer your last question: No and No. |
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Tom Toll
USA
154 Posts |
Posted - 01/05/2004 : 14:23:47
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| I whole heartedly agree with Jim. NO and NO. |
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goodie59
3 Posts |
Posted - 01/05/2004 : 14:25:48
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| Thanks JimF, you sound pretty certain about your answer. Can you elaborate? Also what could cause this? I didn't mention this before but the boards turns black only on one north side of the house and I from the NC reign. |
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JimF
USA
1014 Posts |
Posted - 01/05/2004 : 14:47:54
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I suppose the question I would ask you is why you believe this interior damage to be hail damage or a result of hail?
Am I correct that 2 1/2 years ago the loss was inspected by an adjuster who saw no hail damage? Has anything changed since then? |
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KileAnderson
USA
875 Posts |
Posted - 01/05/2004 : 15:50:38
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You don't inspect for hail damage from the attic for the same reason you wouldn't do a tonsilectomy rectally. There is a much easer way to do it. Go up on the roof. Is there any evidence of impact damage to the shingles? If the answer is no, there is no hail damage. It isn't rocket surgery. If you can't see it, it isn't damaged.
As far as the black decking only on the north side of the house, it sounds like your roof may not be adequately ventilated and since you live in the northern hemisphere, the southern side of your roof gets more sun than the northern side. Getting more sun means that on rainy days and humid mornings the roof on the north side stays wet longer and is more prone to moisture damage. This is only a theory. I haven't researched it, but I have applied a little common sense to the situation. What do the rest of you guys think? |
Edited by - KileAnderson on 01/05/2004 15:53:42 |
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katadj
USA
315 Posts |
Posted - 01/05/2004 : 16:20:03
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Kile, you have pointed the loss in the correct position.
The fact that the nails on the interior are rusted, (as originally stated) indicates moisture accumulation on the metal. This usually happens in cold weather as the metal acts as a conductor for the exterior cold, and the nails become covered with frost. This cycle will eventually lead to the rusting of the metal.
That could mean a lack of ventilation, (as you suggested) or a lack of insulation, as the heat from the dwelling will rise causing the frost on the nails to melt. If the insulation is inspected, you may find the indication of moisture droplet points all over the area.
The black wood is indicative of water that has accumulated around the nails.
We all appear to agree on the fact that the answer to the question initially posed is NO and NO, based on the information provided.
As Kile stated one must view the exterior roof to make an informed decision as to hail damage, but certainly the indicators provided do not support this.
My .02 worth.
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goodie59
3 Posts |
Posted - 01/05/2004 : 17:05:51
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Thanks for all the input. I really don't know why I'm thinking is hail damage. I guess maybe because we had a very bad storm one year and now I'm seeing the black boards becoming worse and thought maybe it were related to hail damage.
But, I'll check into the ventilation issue.
Again. Thanks
quote:
Originally posted by JimF
I suppose the question I would ask you is why you believe this interior damage to be hail damage or a result of hail?
Am I correct that 2 1/2 years ago the loss was inspected by an adjuster who saw no hail damage? Has anything changed since then?
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TomS
USA
32 Posts |
Posted - 01/05/2004 : 19:40:15
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Hey Goodie,
It sounds as if you are looking for a reason or reasons to have your roof inspected and perhaps even replaced either from a "peril" "choice" or as a late christmas present. Sooooooooooooooo, I recommend you do the following if you so desire, Call your agent and ask for a re-inspection of your roof. perhaps they will send an adjuster out and point out the items to him and after his "visual" inspection, he may be able to tell you exactly what your problem is. I am not suggesting the "making" of a claim, but "if" you think the problems you are having could be from some peril under the polciy, you would be better served to get a professional opinion from your insurance company. The worst they can say is sorry charlie no claim but even more the adjuster probably will tell you the cause of your problems. "OR" you could call for a Home Inspector and pay a few hundred bucks and get a proper inspection which may help. However, I believe the previous posts are right on time and have correctly answered your original posts.
Have a good day!!!
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KileAnderson
USA
875 Posts |
Posted - 01/05/2004 : 20:11:58
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I don't know about that home inspector angle, Tom. If the inspectors in NC are anything like the ones here in KY, they will tell him he has hail damage. One here told me he knows you can't see any hail damage now, but he knows there was hail in the area this year and if it "shows up" later it will be on him so he tells everyone they have hail damage to cover his own butt.
A fine service those home inspectors offer. |
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TomS
USA
32 Posts |
Posted - 01/06/2004 : 04:21:32
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I GUESS I WAS HOPING THAT HE COULD FIND A "HONEST" ONE KILE, BUT AS WE KNOW THEY ARE FEW AND FAR BETWEEN. SOUNDS LIKE YOUR HOME INSPECTOR WAS ALSO WORKING THE P.A. SIDE OR SELLING ROOFS OR SOMETHING, HUH? I CAN'T SEE HAIL DAMAGE TO MY ROOF 'NOW' BUT YOU CAN BET AFTER 3-4 YEARS AND COUPLE HAIL STORMS I WILL. ARE YOU WORKING IN KY FROM 7-8 MONTHS AGO OR NEW DEAL GOING ON OR JUST HAVING FUN? WHATEVER, TAKE CARE AND KEEP ON POSTING.
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danguyer
USA
26 Posts |
Posted - 01/06/2004 : 11:39:47
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I agree with Kile. How can you possibly know if your roof has hail damage when observing from your attic? Go up on the roof! You'll know right away if you had hail damage after 2 1/2 years exposure.
Sounds like a ventilation problem. We know it can't be from ice buildup causing frost in the attic resulting in condensation because NC does not have an extreme winter climate. Air flow is the key factor in the prevention of moisture buildup in the attic.
Mininum building requirememnts concerning attic insulation differ in various states due to climate. Minnesota requires at least R-38 due to extreme winter conditions (-22 yesterday,
-37 windchill). I have handled well over 500 claims in Minnesota and in only a few instances had I found old hail damage which cause interior water damage during the freeze/thaw cycle. That was a stretch to provide coverage. The most common area where ice causes damage to shingles is in the valleys during the freeze/thaw cycle. This occurs in approximately 3% of the cases where roof damage is reported from weight of snow/ice peril.
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Dan Guyer |
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Roof_Dr_Sr
USA
27 Posts |
Posted - 03/04/2004 : 04:42:12
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Goodie59,
All the suggestions listed I fully agree with... This may sound silly but do you have a basement? Sometimes a basement will circulate air in the walls back to the attic. Without proper ventalation, sometimes it will make it rain in the attic! It's true, I've seen it first hand. I roofed a home in Kentucky one time and the homeowners could not afford proper vents. (I learned then I should have never roofed the home without proper vents and have never done so since)... 6 weeks later the homeowner called our office and said her new decking we installed was buckling! I went back out and her roof looked like a roller coaster at Six Flags. Because she had a basement, her air flow went up thru the walls into the attic. When I opened the trap door to the attic it was truely raining inside. It was sopping wet. My owner went ahead and re-roofed her home at no charge but this time we installed proper vents. No problem from then on..
Good Luck.. The Roof Dr Sr. |
Roof Dr.Sr. |
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hail damage 2 1/2 yrs later
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