If your home has been damaged by hail, exposure to the elements may greatly increase the amount of damage to your home. Many insurance policies limit your time to file an insurance claim, so don’t wait until you have water dripping through the ceiling, mold in the attic or your roof caves in to call your insurance company. At that point, it may be too late to file a valid storm damage insurance claim.
We’ve helped countless homeowners with such claims and we’ve seen firsthand the consequences of failing to act appropriately after a hail storm. Because life’s too short to make all of the mistakes yourself, allow us to share the do’s and don’ts of homeowner’s hail damage insurance claims.
Do’s and Don’ts of a Hail Damage Insurance Claim
DO get out a copy of your homeowner’s insurance policy and carefully read the coverage you have. Should you need to file a claim, have the policy handy so that you understand what you are entitled to in terms of compensation.
DON’T navigate the insurance claims process by yourself. Without experience, trying to file a homeowner’s insurance claim for hail damage can be lengthy, time-consuming and very stressful. Furthermore, it’s not uncommon for insurance companies to offer low-ball estimates to homeowners who find out later it’s not enough to cover the cost of repairs. Make sure to choose a storm restoration contractor like Arnett Construction who can help if you file a claim.
DO get a professional inspection by a storm restoration contractor right away. This holds true especially if a large geographical area was affected as most contractors and insurance companies operate on a first come, first serve basis. In the north, where winter affects the ability to safely install a roof, this can mean the difference between getting your roof installed in the fall or the following spring.
DON’T call your insurance company first. A professional roofing company will be able to inspect your roof and assess any damages. This will prevent a claim being made on your policy if you don’t have any damage or if only small repairs need to be made and don’t warrant filing a claim.
DO choose a storm restoration contractor. Because hail and storm damage can be hard to spot, not every roofer may be able to give a valid roof inspection after a storm. The last thing you want to happen is to be told “your roof is fine” only to have hail damage cause leaks and costly repairs later.
DON’T feel forced to use a contractor referred to you by the insurance company. Oftentimes, insurance companies are motivated to complete the work as cheaply as possible. Hiring your own contractor means that you will have the peace of mind that comes with choosing the best in the business.
Why Choose Arnett Construction?
Unpredictable storms create unpredictable problems. That’s why it’s important to choose the right professional to inspect the integrity of your home after a storm. It’s important to find someone who is local, properly certified, efficient, courteous, and available to complete your warranty work. All of which you’ll find working with Arnett Construction. Requesting a storm damage inspection is easy and best of all it’s free. Contact us today to get started!
