As home owners, we’re susceptible to Mother Nature every single day. Whenever disaster lands at our doorstep or, in this case, our rooftop, we could be thankful for insurance coverage and the availability of roofing insurance claims for storm damage. When acquiring insurance, it usually is advisable to talk with your insurance agent about your policy’s coverage because it pertains to roofing insurance claims storm damage.
You need to check the intensity of damage in your roof. Is there any visible damage on the inside of your home? If you see water stains or slow drips within your home, then you have a problem which calls for immediate attention. A brand new water stain on your ceiling is actually most definitely an indicator that your roof was jeopardized. Are there any visible dents (blisters) on your roof’s shingles? Just because you don’t see any damage to the inside of your home does not always mean your homes roof was not damaged. Should there be no visible destruction of the inside of your house, it might give you a false sense of security.
Once you’ve taken note of the damage, write down the date of the storm, a description of the damage, and take some photos. You could also print off local news stories about the storm, in case your insurance agency asks for proof of its occurrence.
The insurance company sends what it really calls an adjuster to examine the damage from hail. The adjuster will check your home as well as the roof and come to a total figure that will cover the price of fixing the damage from hail. Here it’s also wise to have an independent appraisal from a roofer. This could ensure against bias from the adjuster, and ought to give a better cover. The contractors generally do the evaluations for free – so along with their payment of deductibles in lieu of referrals, it is a pretty good service.
Most insurance companies is only going to issue a check straight to the roofer. This protects the insurance company from the property owner “pocketing” the proceeds and never repairing the damage. Through getting your roofer to agree to the type of repairs to be performed and also the costs involved, this could insure that your roof has the required repairs. Should your roofer agrees that the insurance check is sufficient repair your roof hail damage, then they needs to be willing to do the repairs for that cost, nothing more.
Managing your hail damage cover and its insurance is a vital part of living with hail storms. With the appropriate information, you’ll save yourself 100’s of dollars in fees and deductibles, as well as a quality roof replacement because of damage from hail.