Hail damage to brick
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Hail damage to brick - 6/9/2004 10:01:15 PM
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Czar
Posts: 65
Joined: 4/19/2004
Home base: Columbus, Ohio
Status: offline
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Claim came in today. Loss notice states golf ball sized hail, damage to roof, vents, screens, gutters, downspouts, and brick.
As I am in Ohio the hail doesn't get as big as it does down in Texas, I'm assuming someone here has ran into this. Does anyone know the repair process for hail damaged brick.
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RE: Hail damage to brick - 6/9/2004 10:20:02 PM
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KileAnderson
Posts: 199
Joined: 4/19/2004
Home base: Baton Rouge, LA
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Golf ball sized hail shouldn't damage brick. What most likely is being considered hail damage to brick is probably spalling on the chimney.
When chimney bricks are repeatedly heated and cooled they develope small fisures and then water gets in them and freezes and the brick begins to fall off in layers almost like an onion. The homeowner or their contractor went up on the roof and noticed these pieces of brick that are laying on the roof next to the chimney and determined that this was caused by hail.
I'd bet this is the situation, I see it all the time. Most knowledgeable contractors know this isn't hail damage. If the situation is anything other than what I've described please share it with us. I'd really like to hear abou it.
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RE: Hail damage to brick - 6/10/2004 9:08:32 AM
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LMLinson
Posts: 21
Joined: 4/19/2004
Home base: Elkhart ,Texas
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I agree with Kyle. I also refer to this as "freeze/thaw". I saw quite a bit of it in Ohio last year. It is unlikely that the hail in Columbus did any damage to brick. However, Kyle should not assume that the contractors you are having to deal with are knowledgeable, I was there and knowledgeable would be the exception to the rule.
< Message edited by LMLinson -- 6/10/2004 9:14:49 AM >
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RE: Hail damage to brick - 6/10/2004 10:28:39 AM
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katadj
Posts: 684
Joined: 4/19/2004
Home base: New Hope, PA
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St. Louis, 2001.
Hail was harder than this writer has ever seen. It was reported to be 50,000 ft hail. Not really big like softball, but really HARD.
Spauled brick chimneys, brick walls, damaged driveways, leaving pock marks 1-2 inches in diameter and up to 3/8 of an inch deep.
Recommended many repairs and some replacemnts to the carrier, who made payment.
Yup, it does happen, and Mother Nature can prove it......................................... Never say never.
_____________________________
"Excellence often first appears as error. It is only in retrospect that wisdom emerges from ignorance and success from failure." Abraham Lincoln
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RE: Hail damage to brick - 6/10/2004 9:18:14 PM
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Czar
Posts: 65
Joined: 4/19/2004
Home base: Columbus, Ohio
Status: offline
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Linson:
This wasn't from the Easter storm from last year. This was from the storms we had last month, not actually in Columbus but about 30 minutes east.
Kile:
I have seen what you are talking about and I have never had a contractor try and pass it off as hail damage. If it is what you describe and hail hits it, I suppose it could damage it further. But then what is the actual loss? Spoke to insured and I guess it is not a chimney. This is a nursing home about 100 squares of roof.
Still have not had a response as far as repair method.
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RE: Hail damage to brick - 6/10/2004 9:38:23 PM
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Czar
Posts: 65
Joined: 4/19/2004
Home base: Columbus, Ohio
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Veneer. I'll post on it next week, as I have not seen it. I was just curious as to any repair method.
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RE: Hail damage to brick - 6/11/2004 6:15:26 PM
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KileAnderson
Posts: 199
Joined: 4/19/2004
Home base: Baton Rouge, LA
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That's all interesting but let's keep in mind that the original post stated the hail was golf ball sized, not grapefruit.
let's stick to the rule and only believe the exception when you see it. When you hear hooves think horses, not zebras.
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RE: Hail damage to brick - 6/11/2004 9:12:33 PM
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CCarr
Posts: 287
Joined: 4/19/2004
Home base: Toronto, Ontario
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It was a beautiful day to be outside today - fresh clean air, no smog or humidity, blue sky and about 70 degrees F - and even more so because I was at an interesting COC loss at a condo complex, with a wording full of warranties to make it especially interesting.
Just so happened that part of the project had been advanced to the installation of the brick veneer face. Well, I had to tell my partner about the story I had read about 'golf ball size hail' doing this alleged damage to a brick veneer structure. It just seemed like the right place and time after our work that brought us there was done, to take a hammer to a BV wall.
Good news is, I wear glasses; bad news is some tiny brick chips scratched my lens - but only after giving the wall a severe and repeated pounding with a framer's hammer at many angles.
We walked away with the same conclusion Kile had as a first rebuttal, i.e. the hail loosened up some existing spalling damage.
Don'y try that test unless you are wearing glasses, a Skidoo helmet would be better, the one with the pop down face shield. If you hit hard and fast enough, some grit flies and it clings right to you.
< Message edited by CCarr -- 6/11/2004 9:20:09 PM >
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RE: Hail damage to brick - 6/14/2004 6:53:22 PM
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Leam Kincaid
Posts: 52
Joined: 6/1/2004
Status: offline
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quote:
Does anyone know the repair process for hail damaged brick.
Czar,
Where on the bricks did you notice damage? On the "weak" outside corners or in towards the main body of them, or both?
Did the "hits" look like brand new exposed bisque, or were they dirty-sooty?
Any idea what kind of material the bricks are composed of, and, what color are they?
< Message edited by Leam Kincaid -- 6/15/2004 2:42:25 PM >
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RE: Hail damage to brick - 6/14/2004 10:16:05 PM
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Johnd
Posts: 244
Joined: 4/19/2004
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In 2000, I adjusted in Wisconsin and wrote estimates on hail 3.5" diameter that come in sideways on 85 mph winds. One home had hail through siding - insulation - inside drywall, and damage to kitchen cabinets. The insureds new cadillac was totaled and could only be identified by the cadillac emblem. Needless to say, this hail claim took almost 6 hours to adjust out and exceeded $100K.
This same storm produced hail that penetrated through roof, ceiling and into living room of another dwelling. I also saw many motor homes that were totaled.
I have only witnessed hail damage to brick side of a home one time, but can guarantee that if it is hail you will know as soon as you see it. Look for little chips (fresh) at impact point(s) as the ground will be covered with them. In this incident the insurede was quite happy to have the brick wall(s) painted so we did not have to write up an estimate to replace. The insured's initial reaction was he thought the chips added a unique appearance to his home and said he wished all sides looked like the damaged side.
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RE: Hail damage to brick - 6/15/2004 7:33:29 AM
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Leam Kincaid
Posts: 52
Joined: 6/1/2004
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John,
Wow. Big storm.
Was he (policywise) entitled to have them replaced if he so chose?
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RE: Hail damage to brick - 6/15/2004 2:40:48 PM
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Leam Kincaid
Posts: 52
Joined: 6/1/2004
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Jim,
I asked some legitimate questions, and, I'm not in the habit of asking 1st grade questions.
I don't understand your 1st grade comeback remark.
< Message edited by Leam Kincaid -- 6/15/2004 5:23:53 PM >
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RE: Hail damage to brick - 6/15/2004 2:49:23 PM
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CCarr
Posts: 287
Joined: 4/19/2004
Home base: Toronto, Ontario
Status: offline
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Geez, I've been hoping for the past 6 hours, that finally maybe you got the message.
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RE: Hail damage to brick - 6/15/2004 4:15:10 PM
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JimF
Posts: 1305
Joined: 4/19/2004
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quote:
ORIGINAL: JimF
(Again, I will ask) Can't you or don't you ever read an insurance policy? If so, what does the policy say? And if not, why are you here?
(And I will repeat my earlier suggestion) Why don't you at least go buy a beginners book on insurance instead of asking all of these 1st grade questions?
And if you can't recognize your own questions as 1st Grade questions, then you're even more intellectually challenged than most of us around here already perceive you to be.
< Message edited by JimF -- 6/15/2004 4:22:42 PM >
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