One of the most common hail damage insurance claims is roof hail damage. If you suffered roof damage in a hail storm, here are the things you need to know about filing a claim. Remember, if you need help handling or negotiating your roof hail damage claim, a public adjuster can help.
You Don’t Need a Leak to Have Roof Hail Damage
Some homeowners think that their roof is fine after a hail storm since they don’t have any roof leaks. That’s not true. You can still file an insurance claim on a damaged roof without having a leak.
Do what you can to mitigate the loss if you do have a roof leak. For example, place a tarp over the leaking area to prevent further water damage.
Step by Step Guide for Hail Damage Insurance Claims
Here are our recommended steps for handling a roof hail damage insurance claim:
- Walk outside, after the hailstorm, to check your home or business for damages.
- Take photographs of the damage and the hail
- Contact your insurance company to begin the claims process
- Contact a public adjuster to independently assess the damage
You can better ensure your chances of receiving fair compensation for your roof hail damage insurance claim by following these steps.
What to Do Immediately After the Hailstorm
Here are some important things to remember in the immediate aftermath of a hailstorm:
- Note the date and exact time of the storm, including when the damage occurred.
- Take photos of your yard, home, and property after the storm. Make sure to focus on areas of damage.
- Look for signs of damage on your roof, like missing or torn shingles. Try looking initially with binoculars.
- Pay close attention to the roof, AC unit, siding, and other areas more likely to receive damage.
- Grab your tape measure, place it next to hailstones on the ground, and then take pictures.
Contact Your Insurance Company
Contact your insurance company and give them the necessary information. Be sure to write down the claim number.
Your insurance company, at this point, will inspect damages to your property. They will then decide how much your payout will be worth. The insurance company will sometimes find fine print within your insurance contract that lets them deny a payout. They might offer a substantially lower payout than what you require.
Your insurance company will approve the hail-damaged roof replacement if all goes according to plan. This will allow you to get a brand new roof paid for by your insurance company.
Contact a Public Adjuster
You may want to start by contacting a public adjuster if you discover roof hail damage. They can assess the damage to your home at no cost. Public adjusters consider these hail damage assessments a cost of doing business. They base their work on whether or not they believe your insurance claim is legitimate. During the inspection, the adjuster estimates approximately how much repairs will cost.
If your home or business suffered roof hail damage, then Aftermath Adjusters & Consulting can help. We work diligently for you to get the highest payout possible.