Hail season in this region seems to get more brutal and unrelenting each year. As the stones get bigger and wind blows stronger, there’s one we know for sure: Mother Nature is indifferent to our concerns and possessions.
If she unleashes her wrath upon your property and you weather a storm that gave your roof a beating, what do you do?
First, have your roof inspected by a trusted company.
Pro Tip: It’s never a good idea to let a roofer who knocks on your door following a storm inspect your roof. They’re opportunistic, and often, fraudulent—they always “find” damage.
If damage is detected (by a trusted and reputable roofer) it’s time to file a roof insurance claim.
The trusted roofer you called will come out to your home and inspect the roof. If it’s hail damage, he or she will start circling the hail bruises with chalk. After the inspection, the experienced roofer will advise you to file a claim or not.
If the inspection confirms roof damage then, and only then, should you call your insurance company. If you call your insurance company first and the inspection reveals no damage or not enough damage, you still get a claim on your insurance record.
After your insurance company has been notified of the sustained roof damage, The claim examiner will assign a claims adjuster to make an official roof inspection and prepare a repair estimate.
This estimate will have a few key areas: your deductible, replacement cash value, depreciation and actual cash value.
If the insurance claim isn’t handled properly, the claim could be denied, costing you thousands of dollars for a new roof. The insurance company is only obligated to pay for a new roof when significant damage is present.
Excel Roofing knows this process and has a proven track record of working with insurance companies to get your claim settled and roof replaced. We make the process simple and stress-free and will always be on your side to honor all warranties.