Discovering roof damage, especially after a hailstorm, can be as frustrating as finding your child’s latest crayon artwork on your freshly painted kitchen walls. Not only are roof repairs costly, but they can also lead to additional problems like water damage, pest infestations, or worse, mold growth. Understanding your insurance coverage in these scenarios is vital, as not all damages may be covered by your homeowner’s insurance.
Demystifying Hail and Storm Damage Insurance Claims
For over two generations, the ownership at American Commercial Roofing has been at the forefront of repairing and replacing roofs damaged by storms and hail. Our extensive experience makes us your reliable guide in navigating the complexities of homeowner’s insurance claims.
Assessing Hail and Storm Damage on Your Roof
Post-storm, it’s crucial to assess the extent of the damage. It is also important to remember that storm damages are not always obvious to the untrained eye. However, if not located in a timely fashion by a qualified profession – these sometimes hidden damages can cause long term damages to your home. If not handled during your policy’s allotted due diligence period – these damages and additional damages they may cause become YOUR responsibility. Key areas to inspect include:
- Hail Impact: Look for dents or bruising on shingles caused by hail.
- Roof Damage: Check for missing or damaged shingles.
- Siding Damage: Check for cracks, chips, or holes in the siding caused by hail or debris.
- Structural Concerns: Examine any foundational or structural damage.
- Leaks and Cracks: Inspect attics, ceilings, and rooms with many windows for water intrusion.
- Fallen Debris: Assess any fallen trees or debris that may have impacted your roof or property.
- Utility Damages: Look for broken gas lines, water pipes, and power supply issues.
- Gutter Problems: Identify broken, damaged, or clogged gutters.
- Flooding: Check basements and areas near exterior walls for water damage.
Collaborating with Expert Contractors for Hail and Storm Damage Claims
Choosing a contractor skilled in handling hail and storm damage insurance claims is essential. While getting multiple estimates is an option, be cautious as insurers might choose the lowest bid, which isn’t always the best solution. Experienced contractors will work to ensure your insurance adequately covers all necessary repairs, limiting your financial responsibility to just the deductible.
Recommended Reading: + Do I Need to Provide 3 Estimates to My Insurance Company?
Avoiding Scams
Be wary of contractors demanding full upfront payments, as this could be a sign of a scam. While a deposit is a reasonable expectation from a contractor – an in full payment prior to completing the work is not. Additionally, no repairs outside of emergency water remediation and mitigation should start until the insurance claim is approved and funded.
Initiating Your Insurance Claim
When you’re ready to contact your insurance provider about the damage, they will give you a claim number and schedule an inspection with an adjuster. This adjuster should call to confirm your policy coverages (Click HERE to see why this is important – and to make sure you get the answers you need before agreeing to the inspection date).
Once you confirm your coverage and agree to an inspection date, it should be a priority to coordinate a trusted roofing professional to be present during the inspection. A skilled roofer can ensure that every detail of the damage—whether it’s to the roof, siding, or other areas—is thoroughly accounted for. This approach is crucial for a comprehensive assessment, which is key to a fair and accurate insurance claim. Remember, the coverage for repairs will ultimately depend on the terms of your policy and the findings from this inspection.
Understanding Roof Repair Claims
Insurance may cover partial repairs or address matching issues. The safety implications of damaged roofing materials, especially after hail, are a primary concern. If your policy includes coverage for weather-related incidents, the repair costs should be covered, even for partial damages.
Finalizing Your Claim
After repairs, your contractor will provide the necessary documentation to your insurance for the release of final payments and claim settlement. The duration depends on the severity of the damage, material availability, and repair timeline.
Key Insights for Handling Hail and Storm Damage Insurance Claims
Act promptly and efficiently after a storm. Your first step should be contacting a trusted local contractor that specializes in documenting damages and ensuring comprehensive coverage from your insurance provider.
Taking Proactive Measures
Understanding how to mitigate and prevent secondary damage after a storm is essential. If you’re not currently covered by homeowners insurance, now is the time to consider getting a policy. If you are unsure which carrier or agent to use – contact us today to see if we have a trusted agent in your area!
American Commercial Roofing: Your Specialists in Hail and Storm Damage
At the heart of our mission is the commitment to guide and support you through the often daunting process of navigating insurance claims for hail and storm damage. We understand that these moments can be stressful and confusing. That’s why we’re here—to hold your hand every step of the way, providing clarity and reassurance in a situation that can feel overwhelming. Our job goes beyond just repairing roofs; it’s about ensuring the safety and security of you and your family. A trusted roof over your head is more than just a structure; it’s a sanctuary where memories are made and cherished. At American Commercial Roofing, we don’t just fix roofs—we help in safeguarding your family’s comfort and peace of mind, ensuring that after the storm, you have a warm, secure place to call home. This isn’t just our profession; it’s our passion.
Ready to Navigate Your Insurance Claim?
Contact American Commercial Roofing for expert guidance and assistance in handling your hail and storm damage insurance claims. (Schedule an inspection HERE)