February 23, 2024
For people living in an area prone to large hail that can damage your roof, it would make sense to know how and when to file an insurance claim for damages. Home insurance covers the cost of roof repair and replacement, but is only limited to certain damage types. Check out below how to file an insurance claim for roof hail damage.
· Note the date of damage
You will need the date of the hail damage to file a claim. Take pictures of the damage if possible. This serves as proof of your claim.
· Get a qualified opinion
Get a qualified opinion from a qualified roofing company. Sellers Roofing Company – New Brighton specializes in roofing and insurance claims. Our technicians will conduct a free inspection and possibly meet with the insurance agent to act as a liaison between you and the insurer. This will ensure you get the reimbursement you deserve.
· Consider the deductibles
A deductible is an amount you pay for repairs before your insurer covers the rest of the cost. Insurance companies in some states have a special deductible for hail and wind damage from hurricanes.
· File the claim
Once we recommend calling in a claim, call your insurer and alert them that you want to file a damage claim. The insurer will then request all the relevant data and dates. The insurance company then reviews the claim and settles it if you have damage, regardless of how old the roof is.
· Get the work done
Once your insurer has given you a favorable indication of a settlement, ensure you get a written quote from your preferable roofing company. After the insurance company approves your claim, contact the roofing company to begin work. If the insurance company does not send you sufficient funds, our contractor can help you dispute the amount based on the task ahead.
When it comes to residential and commercial roofing repair, replacement, and installation, Sellers Roofing Company – New Brighton is your number one choice. We assess hail-damaged roofs and give detailed reports for insurance claims. Call us today to help you evaluate the situation and replace your roof after hail damage.