The photos are devastating, every time. People describe the sound being that of a train, moving directly through their home, and the after-effect as looking like a bomb went off.
After a bad storm, we walk outside to look for damage to our homes, property, cars, and landscape. Sometimes, the evidence is obvious, and you call your insurance agent the same day.
But sometimes, especially with large-size hail, the damage isn’t always so easy to see. Hail can seem to bounce off a roof with asphalt shingles, like 97% of roofs. What you can’t see is that the force of thousands of hailstones can transfer to the wood below the shingle, splitting it, making it susceptible to weakening. And this can happen time after time, with the damage becoming worse and worse, but not showing.
Until your roof starts to leak.
Then the insurance adjuster will get up on your roof, pull back the shingles, and the damage will be too obvious.
What a lot of people don’t know is that the insurance company wants you to call when you think you have damage. They want to repair your roof, now, instead of waiting until the cumulative effect is that you have a leak, and the repairs to the inside of your home are much more costly and time consuming.
Often, we don’t file a claim because we’re afraid of rate hikes, and our premium going up. Or worse, getting cancelled.
But the truth is, after a big storm is the best time to file a claim. The evidence of damage is widespread, and easily documented. A claim filed when everyone in the area is filing claims is much less likely to be fraudulent, so insurance companies put those claims into a single pool, rendering your policy less likely to get hit with a rate increase.
Now, you can know instantly. WeatherCheck has created a free online tool that tracks weather according to address. It lets you check the weather history of your home for the past year. The weather history of every single residential address in the country is available.
Usually, insurance companies will consider claims for six months to a year. We’re the only company tracking weather by address, so you’ll be able to instantly know if your roof has had damaging hail strikes.
After checking, sign up for 24/7/365 tracking going forward. It’s only $10 per month, per address.
If all your neighbors are getting new roofs, you probably can, too. On average, people file homeowners’ claims only every 10 years. Get greater value from your policy by knowing exactly when to file a claim. Don’t wait until it’s too late.