Shedding Light on Claiming Hail Damage Insurance

It’s a fact that hailstorms are one of the most destructive weather conditions that you and your home can experience. You roof is the most exposed part of your home and will take the brunt of the punishment during a hailstorm. Ensuring that you have a durable roof with hail damage insurance is a must if you want to keep your home protected while still being able to efficiently handle your finances when it comes to maintaining your roof. You need to be alert in assessing the damage that hailstorms have done to your roof to ensure that you can acquire hail damage insurance from the company who installed your roof. However, there are common misconceptions that exist when it comes to assessing the damage of your roof caused by hailstorms and in claiming hail damage insurance. What are these misconceptions?

I Didn’t See Any Damage on my Roof, There Isn’t Any Problem

This is probably the most common misunderstanding that a lot of homeowners have. There are types of damages that hailstones can deal to your home. A good example of this is bruising on your roof’s surface. At first glance, it may seem like there’s nothing wrong. But upon closer inspection, you can see that there are indentations and depressions on your roof which can result in the shingles collapsing if left being unrepaired. It is preferable that professionals should be the one conducting physical inspections as they can identify whether or not there is actual hail damage on your roof.

There’s Only a Year Left to File My Insurance Claim

While most insurance companies provide a one year time limit, though some provide even lesser time limit for their insurance claims, you may still file for insurance claim past this deadline. This would be dependent to the weather patterns of your locality. If there are widespread and frequent hailstorms in your location, they may still pay the claims even past the time limit they have set.

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Intact Shingles, No Roof Damage

Looking at the outer appearance of your roof may hide the extent of the damage that it has taken after a hailstorm. Missing shingles indicate the damage caused by the wind and they may or may not happen during a hailstorm. There are hailstorms that can cause damage to your roof but don’t leave any visible traces like missing shingles. Thorough inspection should be taken to prevent cases like leaks caused by underlying roof damage.

My Roof Did Not Get Badly Damaged, I Don’t Need to File for Claim

While there may be minimal damage, it can still cause serious repercussions if not dealt with quickly. If there is damage on your roof, you should still file for insurance claim. That is the very reason why professionals should be the ones making the calls instead.

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