In states like Texas and Colorado, it’s not uncommon to get hail the size of golf balls or larger, which can lead to plenty of hail-related insurance claims. Colorado is experiencing hailstorms more frequently, and with larger sized hail. Colorado had record breaking losses from hail damage in 2017 and repeated devastating hailstorm damages in 2018 – with hail as large as 4 inches in diameter showing residents in Denver, Fort Collins and Colorado Springs the worst hail storms they have seen in decades.
Today, we’re talking about one of the most common hail damage insurance claims: roof hail damage. Was your roof damaged in a hail storm? Here are the most important things you need to know about filing an insurance claim for hail damages.
If you need help handling, negotiating or determining if you are covered for an insurance claim related to hail damages, a public adjuster can help.
What To Do Immediately After The Storm
If you just experienced a hailstorm and are wondering how to proceed, here are some important things to keep in mind in the aftermath of the storm:
-Note the date and exact time of the storm, including when you believe damage to your property occurred
-Take photos of your yard, home, and property after the storm, being sure to focus on areas of damage
-Look for obvious signs of damage on your roof, like missing or torn shingles
-Grab your tape measure (or some other measurable object, like a golf ball) and place it next to hailstones on the ground, then take pictures.
-Take a picture of your outside air conditioning unit, as hail can wreak havoc on air conditioners (they can dent and block cooling fins, blocking the air flow)
You Don’t Need A Leak to Have Hail Roof Damage
Some homeowners mistakenly think that their roof is fine after a hail storm because they don’t have any leaks.
That’s not true: you can still file an insurance claim on a damaged roof without a leak. Don’t wait for a leak to appear before you file a claim. Most roof hail damage insurance claims do not involve leaking roofs.
Contact A Roofing Contractor or Public Adjuster
Before you contact your insurance company, get in touch with a roofing contractor or a private insurance adjuster to assess the damage to your home. This assessment should be free: roofing contractors and public adjusters consider these assessments a cost of doing business, and they base their work on whether or not your insurance claim will be approved.
When looking for a roofing contractor, be sure to contact one who is factory-certified (GAF Master Elite and CertainTeed Premier are the two most common certification systems for roofers in America). Then, check the Better Business Bureau or other review sites online to ensure the roofing contractor is honest and provides high-quality service.
Make an appointment with the contractor, be at home during the inspection, and make sure the contractor knows that no repairs will be made during this time. Also, make sure to point out to the roofing contractor the specific areas of damage.
One thing to keep in mind is that in most states that require public insurance adjusters to be licensed, it is illegal for a roofing company or contractor to negotiate insurance policy related issues.Find A Public Adjuster
Contact Your Insurance Company
Take a look at your insurance policy and then contact your company. Organize your records, facts, and photographs. Give your insurer the necessary information. You’ll receive a claim number.
If your insurance company refuses to honor the claim or is being difficult, then consider contacting a public adjuster to help defend your case.
Contact A Public Adjuster
Remember: ClaimsMate specializes in hail damaged roof insurance claims across the United States. If your home’s roof was damaged in a recent hailstorm, then ClaimsMate can help. Our public adjusters work diligently to maximize your claim and fight back against your insurance provider. If your provider is refusing to cover your hail damage repair for any reason, get help by contacting ClaimsMate today.