Posted by roofcoadmin March 6, 2018
Hail storms can come on without warning and leave tremendous damage in their wake. One of the first areas of the home that is heavily impacted by these golf-ball-sized chunks of ice is the roof. It can stand up to the pounding of these ice chunks for a while, but the roof will eventually fall victim to their destruction.
When you see significant roof damage following a hail storm, it’s important to get things taken care of as quickly as possible. Filing an insurance claim is one way to cover the cost of a brand-new roof or the extensive repair that might be necessary. However, not all homeowners are educated about how to file a claim and what you might need to know in advance.
First, you need to make sure that your homeowner’s insurance policy will actually cover this type of damage. You should do this before you even contact them by flipping through the handbook or reading the insurance declaration pages. There’s no point in calling if hail damage is specifically excluded from your coverage.
An insurance company that does cover hail damage should be called as soon as possible after the storm. It’s possible that you may see a hike in your insurance premium as a result of the storm or the claim, but the work still needs to be completed.
You will need to schedule a time for the adjuster to come and survey the damage before they are willing to issue any funds to cover the cost of the damage. Depending on the situation, it may be helpful to have a contractor meet the insurance adjuster at the same time to discuss what work would need to be completed.
Know that it’s okay to stand up for yourself if you feel that the adjuster isn’t compensating you fairly to have the work completed. If your contractor is telling you what the cost should cover, you might need to bring additional details to the adjuster’s attention. It could convince him or her to modify the original offer to cover the scope of work necessary to complete the job properly.
Be certain to choose a local company with a reputation for completing honest work at a fair price. It isn’t uncommon to find contractors who only start to advertise in the wake of a terrible storm. However, they often have very little experience and no incentive to uphold quality work. Once the work dries up again, they will disappear without so much as an online review. Ask around for referrals from trusted friends and family members instead of relying on internet searches to yield quality results.
Roofco is one of the most experienced roofing companies in Winnipeg and is here to help you recover from the unexpected. We have a long reputation for performing quality work on the exterior of your home, and we know how to handle your repairs efficiently to get your home back in excellent shape. We would love to help you walk through the process of filing a claim with your insurance company to help cover the damage caused by hail.