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Depending on their size, hailstones can cause significant damage to personal property. Fortunately, in most states, standard insurance policies cover hail damage. The majority of claims filed with insurers result from hail damage to roofing systems.
Keep in mind that filing a hail damage insurance claim isn’t as straightforward as it seems. To help you navigate the claims filing process, here’s a quick overview of the process:
Take Pictures of Hail Damage
No matter how durable your roof is, it’s bound to suffer some form of damage after an extreme weather event. As soon as it’s safe to go outside, take pictures of your roof from ground level. Don’t put off documenting the signs of hail damage. If you wait too long, there’s a chance hail roof damage might affect other parts of your home, making it nearly impossible for contractors to assess initial hail damage.
Contact Your Insurer Immediately
After you documented the signs of hail damage, contact your insurer’s 24/7 hotline to inquire about the next steps and the time limit for filing claims. Standard insurance policies usually allow homeowners to file a claim within one year of determining that your home suffered hail damage.
Important note: Don’t attempt to fix hail damage, as this can decrease your insurance payout. If the hailstorm left a large hole in your roof, cover it with a tarp to protect your interior from the elements. Remember: It’s best to let professional residential and commercial roofing contractors handle roof repairs.
Meet With the Adjuster
Your insurer might send an insurer who’ll assess the extent of hail damage and calculate the total payout. Some homeowners feel intimidated while meeting with the adjuster, but this shouldn’t stop you from raising any concern you might have. You can also have your roofing contractor meet with your adjuster, so they can inspect your roof together and compare notes.
One more thing: It’s important that your residential roofing system undergoes routine maintenance. Remember: Failure to maintain your roof can void your insurance policy. That’s why you should follow a maintenance routine.
Having trouble filing a claim? Some contractors offer insurance claims processing assistance.
Deschutes Roofing & Insulation offers a wide range of professional roofing services, including insurance claims processing assistance, as well as premium metal roofing options. To get a free estimate, call us at (541) 728-0004 or fill out this form.