Hail Damage Claims: Should You Take It Or Not?
Weather can be unpredictable. And on most occasions, it is always a good idea that you are prepared. There are instances that your property is going to be damaged due to the weather. And in these scenarios, you want to have a good insurance that can come in handy.
If you are wondering about the most common cause of roof damage, that would have to be hail. In these scenarios, you get a lot of contractors knocking on neighborhoods with damaged roofs. Do not be surprised if you encounter this scenario.
These contractors are called storm chasers who go to areas offering their services. If you find yourself dealing with these people, it is always a good idea that you don’t let them work on your roof. Instead, consider getting the help of reputable contractors in your area.
The next thing that you have to consider is whether or not should you go for the hail damage claims. If you ever encounter problems with your roof coming from hail, it is important to consider whether or not you are going to make a claim.
Why not go for the claim?
Hail damage claims can affect your premium. In fact, it can also stay on your record for the next 3 to 5 years depending on the company. This is also true when it comes to cars. There are instances when car insurance claims aren’t really worth it. When hail damage costs at least $100 and even up to $1000. It might not be practical to claim on your car insurance if the car is already old.
So is it really worth it? Make sure that you do some math. Keep in mind that old roofs will get damaged by hail and other things related to weather. Maybe, it is time to already replace the old roof? However, if it is new, that is a totally different story.
What if you want to make a claim?
What if you really want to make a claim? First, you need to contact the leading contractor in your area. You want to make sure that you contact them immediately if your roof sustained a good amount of damage. There are instances when a lot of your neighbors affected by hail might be contacting the same company as well.
Next, you also want to review your policy. Does it really cover for the damages? A lot of times, you want to also meet the adjuster along with the contractor. This way, the contractor can tell the adjuster all the concerns.
There are times though that the adjuster is going to offer something lower than what you are expecting. In these cases, you shouldn’t be too excited and call an independent adjuster. During worst case scenarios, there is a chance that you will be forced to go to a lawyer. If you ever decided to take it to a lawyer, make sure that you are going to document everything.
Insurance claims can be tough and may involve a lot of documents. It can also affect your premium for the next years. If you are going to go for your claims, it is better that you act fast. Keep in mind that there will be other people who are most likely dealing with roofing damage.