Hail Damage Insurance Claim: 4 Steps To Have Your Claim Approved
Living in Colorado is a magical experience. Whatever your passion, there is something for you in this beautiful state. Unfortunately, the magic of Colorado is often disrupted by some of the worst hail storms in the U.S. If you live in Colorado, sooner or later you will deal with a hail damage insurance claim. What is the secret to handling home insurance claims successfully and making the hail damage repair process as easy as possible?
We understand that filing a hail damage insurance claim can be a stressful experience if you’ve never done it before. However, following the right procedure and having the support of an experienced insurance coordinator will make the entire process less stressful and more successful.
These are the steps you need to follow to file a successful hail damage insurance claim.
Step 1: Do Your Homework After The Hail Storm
What do you expect to see after a hail storm hits your house?
Well, you may see damaged siding, a few missing or broken shingles, signs of water leaking inside the house, dents on the roof vents and so on. If this is the case, then the situation is a no-brainer: You’ve got damage, and you need to file a hail damage insurance claim.
This is what you should do right after the storm:
- Make note of the day and time of the hail storm. Your insurance company may ask for this information later on and check to see if it matches reports from weather and public safety authorities.
- Grab your camera and take photos of all the visible damage. Try to be as detailed as you can and look for damaged shingles, chipped siding, and dents on your vents, gutters, air conditioning unit and so on.
- If possible, take a picture of a hailstone next to a ruler as proof of the hail’s
You may not need all of this, but it is always good to be on the safe side. Having more evidence than you need is better that not having enough. You never know when you may need it along the way.
What if after the hail storm you can’t see any evidence of hail damage?
Don’t quickly brush it off thinking you got lucky. Hail damage is often invisible to the naked eye , and problems may arise even months after the storm, as we will explain later.
Most people rely solely on the size of the hail to determine whether damage may have occurred. Indeed, very tiny hailstones are unlikely to cause any harm to your property, but size is not always the most important factor.
Several factors work together to determine the severity of the damage hailstones can cause. These factors include:
- angle of impact
That means a small hailstone with a pointy shape that impacts your roof or siding at high speed could cause more damage than a bigger stone that’s softer and slower.
So, if you have any suspicions that your house has been damaged, you should always call a professional roof inspector.
Contacting a professional roof inspector is, therefore, the next step to take whether you have identified damaged areas or you just want to make sure there’s no functional hail damage to your property that could eventually cause a leak.
Step 2: Find A Professional Roof Inspector For A Successful Hail Damage Insurance Claim
If you want to improve your chances of having your hail damage covered by the insurance company, you need to choose your roof inspector carefully for two main reasons:
- A professional hail damage roof inspector will help you assess the extent of the damage and request the appropriate coverage.
- A roof inspector will help you stay out of trouble with your insurance company by not pushing you to go ahead with your claim if it’s unnecessary.
Your roof inspector needs to be highly reliable and highly skilled to assess the hail damage.
As we mentioned before, most of the harm caused by hailstones is not easily be detected by untrained eyes. For instance, there may only be a tiny spot in your asphalt shingles where the granules are missing, or just a small bruised area. What looks like a minor cosmetic issue could easily become your next big problem.
Severe weather conditions, sudden temperature changes and scorching sun can work on this damaged area, compromising the integrity of your roof. Over time, you could develop a leak that rots the underlying wood structure of your roof or severely damages the interior of your house.
If damage is detected at the right time after a hail storm, your homeowners insurance policy will cover the restoration costs. If instead you try to file a claim months after the event, you are giving yourself a better chance of having your claim rejected.
Only a professional roof inspector with years of experience will understand the full extent of the hail storm damage to your house and take action promptly.
Obtaining a good evaluation of the damage and a proper estimate of the repair costs is a pivotal step in smoothing the hail damage roof insurance claim procedure.
A word of caution: We often hear about people who get into trouble because of phony roof inspection reports. You may come across roof inspectors who ask you to sign an “inspection report” when in reality they just want you to commit to assigning them the project once your insurance claim is approved. Beware of these scams and be careful if you are asked to sign a document.
In any case, you can easily avoid this problem if you call only a trusted and certified roof inspector.
Once your roof has been inspected and you have a repair estimate, it’s time to call your insurance company to file your hail damage insurance claim.
Step 3: How To Handle The Insurance Adjuster
When you contact the insurance company, have all your files and evidence well-organized and ready to be submitted to the claims examiner. The more detailed you are in presenting your facts and evidence, the better the chance that your claim will land on the adjuster’s desk. However, if the roof inspector knows what he’s doing, you should not have any problem being assigned a claims adjuster.
When the adjuster contacts you to make an appointment to inspect your house, make sure you inform the roof inspector and ask him to be present during the visit.
Why is it important to have the roof inspector examine the damage with the adjuster?
Remember what we said about hail damage. Sometimes it is not easy to spot. An insurance adjuster is not necessarily a hail damage expert, meaning he may overlook damage that’s not outwardly apparent.
The roof inspector will bring all the problems he found during his previous inspection to the claims adjuster’s attention. The inspector can even explain why certain minor damages are not just cosmetic problems but real threats to your property. With the assistance of an expert, the adjuster will have a better picture of the true condition of your roof and siding so that his evaluation will be more to your benefit.
A detailed report from an adjuster who understands the damage the hail storm caused to your property is the best tool to push your claim ahead and finally get it approved. Once you know the insurance company is willing to cover the repair expenses, you are now ready to find a trustworthy roofing company to bring your home back to perfect shape.
Step 4: Make Your Hail Damage Insurance Claim As Smooth As Possible
Handling a hail damage insurance claim can take quite a toll in terms of time and stress. You might find a few roadblocks in your way and feel like throwing in the towel.
If this is the case for you, or if you just want to improve your chances of getting maximum coverage, we have the solution for you.
Why should you waste your time when an expert can take care of everything for you?
This is what 5280 Creative Construction Solutions does for its clients in Parker, Denver, Boulder and Fort Collins. We assist them through the entire process of filing the hail damage claim, and we can do the same for you.
Having an expert with 20+ years of experience on your side will give you a definite advantage. The assistance of an expert insurance negotiator who knows all the tricks of the trade will make it easier to get your claim approved. You will have the best chance of getting more coverage, and you’ll spare yourself a lot of stress and anxiety.
5280 Creative Construction Solutions has one of the best roofing teams in Colorado. We can take care of roof and siding repair or total replacement if needed.
Our team is made up of residents and Colorado natives who know how to handle any building or roofing material. When you choose our company, you will deal with a single contractor who will take care of your hail damage insurance claim and make your home efficient and safe again.
If you follow our advice and avail yourself of the best expert in the field, your hail damage insurance claim will not be a problem, and you will have made a stressful situation as comfortable as possible.
Call us today or text at 720-724-6862 or fill out our form by clicking the button below and we will be in touch.