Wind and hail damage are among the most common reasons for homeowners’ insurance claims. Whether you have already gone through the process of filing a claim in a previous incident, or this is something totally new to you, this simple guide is a great way to brush up your knowledge and get tips for a less stressful experience.
Hail can pose certain hazards to people, structures and other types of personal property. Depending on the size and the severity of the weather, you may be looking at a lasting damage to your home. Fortunately, you can file an insurance claim to cover the necessary repairs in case your contractor finds considerable damage to your property. Most insurance claims result from roof damage caused by hailstorms so one of the first things that you should do after a storm is to call a roofer. With their help, you can easily file an insurance claim to cover the damage that your roof has suffered.
What to Expect When Filing a Claim
Contact your insurance provider immediately. Some insurance policies may only allow a limited period for filing insurance claims (i.e. you can only file a claim within one year of the hail damage). Check your contract, but make sure not to wait too long to get in touch with your insurance agent.
Upon notifying them, someone from the insurance company will check and assess the damage. Make sure that you have your own photos and other details of the damage as these would be helpful in filing a claim. If you or your roofing company covered up a hole on your roof to avoid further damage, don’t worry because this won’t be taken against you. Just make sure to avoid any permanent fixes until a representative from the insurance company has made an assessment.
Lastly, know the contractor you’re choosing for the job. Ensure that they are a legitimate business and have a good reputation. Get everything in writing, including the cost, scope of work and project timeline. It may also help to have your insurance provider review all documents and invoices.
American Roofing & Construction, LLC has been providing high-quality roofing for over 15 years. From roof repair to roof replacement, our team can ensure top-notch workmanship for you. Call us at (910) 964-0114 in Southern Pines or (919) 917-2118 in Raleigh. You can also fill out our contact form to request a free estimate.