Do’s and Don’ts Dealing with Hail in San Antonio
When you encounter damage to your property from hail in San Antonio, it is imperative that you know the do’s and don’ts when it comes to doing insurance claims. And most likely, your roof is going to be the one that is going to be affected by this kind of incident.
Review your insurance policy
Do you have a policy that includes hail damage? It is always a good idea that you review your home insurance policy if this is going to be covered. If you need clarification from the insurance company, the better it is that you do it soon. This is especially true when a large area has experienced hail damage.
Contact the contractor and the insurance company
Next, it is imperative that you contact the contractor and a contractor. When choosing a contractor, make sure that you stick with a reputable one. Also, it is imperative that you go for a roofing contractor that has enough manpower that can handle a number of requests.
In an event of hail storms, it is quite common that there are a lot of people that will look for a roofing contractor. It only means that you need to act fast. It is most likely going to be a first come first served basis. Depending on the demand, it can take weeks or even months depending on the popularity of the roofing contractor.
Meet with the adjuster
Next, you want to take the time to talk to an adjuster. There are even times when the insurance company takes adjusters from other states. It is a good idea that the contractor is also present in order to voice concerns easily.
Know the extent of the warranty
If you are going to have the roof fixed due to hail damage, it is a good idea that you find out the extent of the warranty by the roofing contractor.
Getting the first company
It is important that you are picky when it comes to getting contractors. Yes, you can expect a lot of people to call contractors. However, don’t let your fear of getting second or third in line be the cause of poor work done on your roof. You need to take the time to compare the services, reputation, and reviews of the contractors.
Accepting the initial offer of the adjuster
One of the most common mistakes is to accept the initial offer of the adjuster. If the offer won’t cover for the entire damage done on your roof, it is a good idea that you reject the offer. It is also a good idea that you hire an independent adjuster and be able to send their findings to the home insurance company.
If you will experience damage to your roof, it is always a good idea that you know exactly what to do. There are instances wherein mistakes are made by homeowners and they end up not getting the best deal that they could’ve squeezed from home insurance companies. By knowing these do’s and don’ts. You will be able to get your roof repaired how it should be.