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. These large hailstorms, that cause thousands of insurance claims in an area, can make the insurance claim process and assessment complicated and lengthy, as insurance companies and adjusters become overwhelmed with the volume of claims.
Today, we’re talking about one of the most common hail damage insurance claims: roof hail damage. Was your home’s or business’s roof damaged in a hail storm? Here are the most important things you need to know about filing a hail damage insurance claim.
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 Hailstorm
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. The more photos the better
-Look for obvious signs of damage on your roof, like missing or torn shingles. Binoculars can be a useful tool for an initial look
-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 pictures 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 roof 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.
If you do have a roof leak, do what you can to mitigate the loss. Meaning tarp the leaking area to prevent further water damage for example.
In addition to your home or business’s roof you should also inspect these areas for signs of hail damage:
- Hail damage to siding
- Window damage
- AC units damaged by hail
- Other structures on your property that may have hailstorm damage
Contact A Roofing Contractor or Public Adjuster
If you do find that you have roof damage from hail it may be best to start by contacting a qualified roofing company or a public adjuster for help. When you contact your insurance company to file a hail damage claim, also get in touch with a roofing contractor or a private insurance adjuster who can assess the damage to your home. This assessment should be free: roofing contractors and public adjusters consider these hail damage 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.
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
ClaimsMate specializes in hail damaged roof insurance claims across Texas. 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.