Hail Damage Claims and Your Insurance

a good roofer can help you fix your hail damage

Already this summer we have seen several severe storms sweep through our region.  These storms have left wind damage, hail damage, and minor flooding in their wake.  Homeowners who discovered hail damage to their roofs have faced the stress of submitting an insurance claim and working with a local roofer to make quality repairs.  If you are one of these homeowners, here are a few things to be aware of about hail damage claims from a roofer’s perspective:

Utilize Your Camera

As soon as you notice any damage, it is important to take out your camera to document your findings.  These photos will be extremely valuable throughout the claims process as it helps to pinpoint the date and time that you first discovered that something was wrong.

Submit Your Insurance Claim Promptly

If you are unsure how to submit a claim, contact your insurance agent for more information. Always submit a claim right away, as delays can cause your claim to be rejected by your insurance company, leaving the entire cost of the repair on your hands.  Since a roof repair or replacement can cost several hundred to several thousand dollars, the prompt action on your part will pay off.

Be Informed About the Process

An insurance adjuster will be assigned to your claim and should arrive on the property to make additional documentation. Take time to connect with the adjuster and talk through the basic steps that will follow.

Connect with a Trusted Roofer

Selecting the right contractor can mean the difference between success or failure for your home.  It is up to you to research a trusted, professional company to work on your home. Keep in mind that there are many mobile “storm chasing” roofers who approach homeowners in areas of hail damage.  Be wary of contractors who do not have local office addresses, as it may be a sign of a disreputable scam.  Never pay upfront for services.

Be Transparent

It doesn’t matter if the roofer is able to complete the repairs for less than the quoted price: you will not be permitted to pocket the remainder.  Be transparent with communication between the roofing contractor and insurance company to promote a speedy resolution to the claims process.

Enjoy Your New Roof

Although hail damage can be an irritating discovery, fixing it promptly will ensure that your home stays safe, dry, and under the protection of your policy. To learn more about the ins and outs of the insurance process, contact your insurance agent.

To learn more about fixing your roof, contact Yellowhammer Roofing, serving Huntsville, Birmingham and all of the surrounding area.

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