Hail may not fall often, but when it does, it can be extremely harmful to your roof. The US experienced over 4,000 hail storms in 2018 alone. Unlike hail alley, Florida isn’t the most prone to hail storms, but they do occur and can devastating your roof. The good news is that standard homeowners insurance typically covers hail damage. The bad news is that most people don’t know that it is covered and may decide to do nothing.
Minor Hail Damage Can Lead to Major Costs
Hail impacts your roof at speeds up to 100 miles per hour. Even minor deterioration of the granules on your shingles can cause water leaks to develop over time. Harming the structural integrity of your roof. Although your roof may seem fine at first, over time water will pool and algae will grow. Your roof’s infrastructure will suffer because of it. Be sure to inspect your roof after any major storm as even minor damage could lead to costly repairs or even a replacement.
How Should You Prepare to File an Insurance Claim for Hail Damage?
As you or your local roofing professionals are inspecting your roof, identify any dents, dings, broken shingles or any other type of damage that seems out of place. Be sure to take pictures and/or videos of EVERYTHING.
Once you have the initial damage documented, cover the damaged areas with a tarp or other waterproof material. Show the insurance company that you tried to mitigate the damage. If you take these steps, it will strengthen the validity of your claim and make the claims process go a lot quicker and smoother.
Always get an estimate of the damage from your local roofing company. Note that many insurance companies will require a certain amount of hail damage to cover the cost of a new roof. If you document the damage correctly and your roofing professionals assess the damage accurately, you will have a good idea of what type of claim you could receive.
If you contact Secured Roofing and Restoration, we will take care of the entire process for you.
How to File a Hail Damage Insurance Claim
- Locate your homeowner’s insurance policy.
- Identify your insurance policy number and deductible.
- Organize your records, documentation of damage, hail size, date/time the damage occurred and any other items that tell the complete story.
- Call the claim phone number on your policy to file an official claim.
- Your insurer will provide you with a claim number and an examiner will be assigned to your case.
Your claims adjuster will inspect your home. Schedule your trusted roofing professional for the same time so that they can go over the damage that they originally identified with the adjuster. Once the adjuster makes their assessment, they pass that information on to the examiner who will be making the final decision on your claim.
Seems Like Too Much Work? Call Us
If you contact Secured Roofing and Restoration, we will take care of the entire process for you. From working with your claims adjuster to putting the finishing touches on your roof, we can get your home back to its original condition.