What should I expect during a hail damage roof inspection? How Long does it take, and when do I get the findings?
Hail damage claims have become all too common in Colorado. Our state has one of the craziest weather patterns in the country. Insurance claim topics are a trending topic in the state where just about everyone has experienced damage from hail in their home and cars. When this happens, the internet lights up and everyone seems to google “What Is A Hail Damage Inspection Like? What Should I Expect?” Everyone wants to find out how others are going about with their insurance claims.
Some people have not filed their insurance claim because they worry that another hail storm might strike any minute. Others choose not to file simply because of the tedious process of an insurance claim and to see an adjuster. But things are looking up in Colorado, there are signs that hail claim appointments are starting to progress. If you are needing to book an inspection then simply contact us, and we will get out to your location as soon as the schedule allows.
If you have not filed for that insurance claim, this might be the best time to contact your insurance provider. Most people are “walking in the dark” when it comes to the process of filing a claim. Fortunately we are experts in hail storm insurance claims. Well, here are some of the things you can expect in a hail storm insurance claim.
Hail storms can cause severe damage to most properties especially the roof. When hail stones are large enough, it can puncture your roof destroying your personal belongings. Repair should be done immediately to prevent further damage to your home.
Because hail storms produce different kinds of damage, an inspector will examine the roof for any sustained damage. Not all insurance companies are happy about hail storm claims. It is advisable to hire an external professional inspector with lots of experience with these claims. They can help you verify and document the damage to your roof.
An 3rd part inspector may agree to the insurance adjuster report or may disagree with what the adjuster originally determined. They can find small holes that can lead to leaks and destroy your roof. Because they have a trained eye, they can also unravel cracks in the walls from water pressure. Even if your roof suffered partial damage, it is still viable for a hail storm insurance claim.
Filing a Claim
Before you ring anyone, either an adjuster, an external inspector, or a professional roofing contractor, check your insurance policy first. Not all homeowner’s policies cover hail damage. If you are not sure whether you have coverage or not, call your insurance provider, they will be happy to assists you. Once they verify you have hail damage coverage, immediately file a claim. Their representative will ask some questions regarding the damages and some related information.
After they recorded your claim, they will send out an adjuster to check your roof. Some homeowners have their local roofing contractor meet with the adjuster for the inspection, just to have their roof thoroughly checked.
In some cases, you have to pay a deductible to the contractor. If they approved the claim, your insurance provider will pay the remaining balance to the contractor or may pay you directly then you have to pay the contractor.
Estimate for Repairs or Replacement
Insurance companies will send you their estimated value for your roof repair or replacement. This may take weeks after their initial inspections. If you agree to the terms, you can start your deal with your roofing contractor. It is best to contact a professional roofing contractor and do not fall prey to storm chaser deals.
For Denied Claims
As mentioned earlier, some insurance companies are not too happy with a claim. This can lead to a valid claim being denied. There are remote cases that the adjuster does not observe the damage properly. Or that the damage happened before your home was not yet covered by your policy. If you think you have a valid hail storm damage claim, do not hesitate to call a lawyer.