Since hail damage can occur in any part of the country and to any home, it's important to be aware of what to do immediately after the damage occurs. For instance, you might be surprised to discover that the insurance adjuster who works with your homeowner's insurance is the only person who can approve a claim, so you should work with them directly from the very beginning. In addition, it's best to not delay repairs or an inspection after the damage has occurred, since an unprotected roof or one with gaps in its protection is susceptible to more damage. Whether you're concerned about hail damage that has already occurred or you live in an area that is prone to that damage, it's a good idea to be aware of the following advice for hail damage roof repair.
Remember That Roofers Cannot Guarantee What Your Insurance Company Will Approve...Or When
Many homeowners are unpleasantly surprised to discover that the original estimates of the roofer need to be redone or require additional information before the adjuster will look at the property or approve any repairs. As part of that, it's important to note that just as your health insurance might require you to see specific doctors with whom they have financial arrangements and discounts in place, homeowner's insurance policies frequently have similar guidelines as to the professionals with whom they work.
Unfortunately, that might mean that although the company who did a great job on your neighbor's roof has time to look at your roof before leaving the area, you might not be able to do business with them unless you are willing to risk being personally responsible for the full cost. It's easy to see that attempting to work around your insurance company can get very expensive, very quickly, so be sure of what is covered by your policy before permitting anyone to examine the roof.
Don't Delay The Repairs Or Filing A Claim...No Matter How Busy You Are
Since hail damage rarely comes at a convenient time and facilitating repairs often takes some extra time you might not have in your schedule, it's not unusual to delay meeting with a contractor, filing a claim, etc. Unfortunately, doing so is a bad idea for a number of reasons
For instance, if the hail damage knocked off or otherwise damaged portions of the roof, the underlying portions are unprotected. The wind alone could intensify the damage, while severe rain or another hailstorm could render part or all of the roof useless. In addition, if you delay the repairs or don't report the damage in the time limits required by your insurance policy, you might find that they can refuse to pay for the repairs. As a result, it's crucial to report the damage as soon as possible after it occurs and then follow through with what you must do in order to rectify the problem.
In conclusion, hail damage can damage the appearance, safety, and usability of your roof in a brief period of time. Therefore, whether you want to be as prepared for the possibility of its existence in the future or it has already occurred, you should be aware of the tips provided above.
Hi, welcome to my blog. My name is Wendy, and after traveling through many parts of the world as I worked on a degree in anthropology with a minor in architecture, I learned a lot. I saw how people took different approaches to the same issue (putting a roof on their home), but more importantly, I noticed how those approaches were dictated by the climate and culture in the area. Unfortunately, I think a lot of people in North America build roofs that are traditional rather than roofs that are the right fit for the climate. If you are interested in exploring the latter idea, I'm here to help. These posts look at the best way to get a roof that protects you from the elements. Explore, enjoy and send your friends over to my blog. Thanks!