Protect Homes from Hail Damage
Make The Right Choice
The International Building Code currently does not require the consideration of impact resistance in the selection of roofing materials.
If the maps listed below indicate your area is prone to hail damage, it is important to take that fact into consideration when replacing your roof. While the average lifespan of some roofs is 20 years, roofs in severe hail-prone areas often must be replaced every seven to 10 years, according to insurance industry data. IBHS offers the following guidance to help consumers make the right choices when selecting a roof coverings in hail-prone areas.
Evaluate The Risk
There are approximately 3,000 hailstorms annually in the United States, resulting in average insured losses of $1.6 billion. Determining your hail risk is the first step in deciding if your roof could withstand major damage in a hail storm.
Hailstones can cause significant damage to roofs, windows, siding and more.
An IBHS review of research and testing related to hail damage indicates that there is considerable variation in the impact resistance of different types of roof coverings. Lab tests and field observations indicate that 3-tab asphalt shingles may be damaged by hail as small as 1 in. IBHS created two maps illustrating hail storms in the last decade and in the last 55 years to help identify areas at risk from hail damage.
The map above shows the occurrence rate for hail with a size of 1 in. and greater over a 10-year period beginning in 2000. This map also shows areas with the most frequent occurrences of damaging hail over the last 10 years.
The map above shows all counties where hail events with hail stone sizes greater than 2 in. have been reported over the past 55 years. Hail of this size will almost always cause significant damage. As is clearly indicated on the map, many counties in the U.S., east of the Rocky Mountains, have experienced these kinds of damaging hail storms. Consider your hail risks when installing a new roof.
© 2012 Insurance Institute for Business & Home Safety