Roof hail damage is difficult to spot, especially if you don’t know what you’re looking for. The insurance claims process is shrouded in secrecy. Below we’ve aggregated a few of the more comprehensive articles to help you assess if you have damage, how to file a claim, and what to do after you’ve gotten your roof replaced.
WeatherCheck Address Lookup
Of course we couldn’t start this article without mentioning our own product, the WeatherCheck Report. Before you do anything else, you should confirm that your property was actually hit by hail. Just type in your property address and our system will let you know both the date and size of the last hail storm…all for FREE.
Check the ground truth
It doesn’t get more extensive than this. Pro-Tech covers the basics of what hail damage looks like and how to check for damage without climbing on the roof (safety first ya’ll). They also mention a few secrets of the roofing trade. Read the article here.
Get a free roof evaluation
If you suspect damage, then it’s time to contact a reputable roofing contractor. Ask around for a free roof evaluation, as Inside Out Home Improvement suggests here. A roofer will know what to look for and will be able to help you determine whether to file an insurance claim. Important note: DO NOT sign anything at this point; this includes an Inspection Report. These can be disguised as Contingency Contracts that lock you into expensive contracts with the roofer.
Check your homeowners’ policy
Before you continue with any more legwork make sure that you review your home insurance policy to see if you’re actually covered for the hail losses. Call your agent if you’re unsure. At this point you also want to see if it even makes sense to file a claim; the payout needs to be more than your deductible. Read more here.
File your claim
The sooner you file your claim the better; most insurers will pay out hail damage claims up to a year old. You’ll need to have your insurance policy number, deductible, date of loss, hail size (as can be found on your free WeatherCheck report), and photos of the damages. Gather as much information as you can, this better supports your claim.
Claims Adjuster Roof Inspection
Remember those photos you took for your insurance claim? Go ahead and forward them to your claims adjuster. We also recommend inviting the roofing contractor that previously inspected your roof to the claims appointment. Read more here.
The adjuster will create a report that includes an estimate for the repairs; this can range anywhere from spot repairs to a new roof. Your claims examiner will then review the report and make the final decision. If your claim gets denied, you should get a second opinion from your own public adjuster.
You can find more information Read more here.
Get your new roof
Once your claim goes through, it’s time to start the repair process. Here’s a quick overview of what to expect.
Lower your premium
It’s considered common knowledge that your premium will go up if you file an insurance claim, but what if we told you that you’re wrong? The best time to shop around for new insurance or try lower your premium is right after you have your roof replaced. Why? The most expensive asset was just replaced, lowering an insurance company’s the risk of payout in future events.