What To Do After a Hail Storm: Hail Damage Insurance
Hail is something that many homeowners have to deal with from time to time no matter where they live. Whether it’s down south or up north, hail is an occurrence that happens a lot more frequently than we’d all like. One of the major issues with hail is how damaging it can be. While the average size of hail is that of a pea, there are many hail storms that could produce hail the size of a golf or even tennis balls. Even the pea-sized hail can cause a lot of damage as far as your home’s roof is concerned. Hail can cause small dents and dings to the roof of the home, and this can actually diminish the value of the house and the integrity of the roof.
When your home has hail damage, it is most likely going to be covered by your homeowner’s insurance depending on your policy. Having hail damage included in your coverage is essential, especially if you live in an area that tends to deal with a lot of hail storms. If you’ve recently had a hail storm, you might be curious as to what the hail damage insurance process is like and what you need to expect out of it as a homeowner.
After a major hail storm, you typically have one year to file a hail damage insurance claim with your insurance provider. After a full year, your claim is no longer valid. So don’t delay if your home has hail damage.
The Process of Filing a Hail Damage Insurance Claim for Your Home
1.) Call a Hail Damage Contractor for an Estimate
Before you even contact your insurance company, you should get a roofing contractor that specializes in hail damage to come and take a look. It is good to know what you are dealing with before you call your insurance agent so you can accurately describe the damage. Most roofers offer a free inspection after a hail storm, so there’s no risk or obligation for you to get your roof checked out. Also, most hail damage roofing contractors work with insurance companies and help you with the claims process.
2.) Contact Your Insurance Agent
Find your homeowner’s insurance policy and take note of hail damage coverage. Also, write down your policy number and deductible to smooth out the process. Before filing your claim make sure that you have properly documented the damage including the date of the storm, pictures of the damage, and the size of the hail. After talking to an agent, the insurance company will file the claim within their systems for you and then set up a date for an evaluator to come out to your home.
3.) Claim Adjuster Roof Inspection
Once the claim is processed, the insurance company will send out a claims adjuster. It is their job to evaluate the damage and see exactly what damage was caused by the hail storm to your home’s roof. They will then send their report back to the hail damage insurance company so that they can then calculate how much they will pay out to you for the roof’s repairs.
4.) Get An Insurance Check & Schedule Repairs
After the insurance adjuster’s evaluation is complete, you will get a claim check in the mail for the coverage amount minus the deductible. This should be enough to have the damages repaired by a professional roofing contractor. After the check comes, your roofing contractor can start scheduling the repairs to your roof.
Having coverage that protects against hail damage should be a preferred option for any homeowner, especially since you never know when a storm like this is going to hit your area. The issue with hail storms is that they can be incredibly damaging and the damages caused can be costly to repair or deal with on your own. The entire insurance claim process by your provider is very easy and will take very little of your time. You will have your roof repaired right away and be satisfied with the finished product once a professional has done the work for you.