{"id":435,"date":"2022-06-08T17:35:07","date_gmt":"2022-06-08T21:35:07","guid":{"rendered":"https:\/\/allegiantexteriors.com\/?p=435"},"modified":"2024-04-15T19:29:06","modified_gmt":"2024-04-15T23:29:06","slug":"steps-to-file-a-claim-for-hail-damage-to-a-roof","status":"publish","type":"post","link":"https:\/\/allegiantexteriors.com\/about\/blog\/steps-to-file-a-claim-for-hail-damage-to-a-roof\/","title":{"rendered":"8 Steps to File a Claim for Hail Damage to a Roof"},"content":{"rendered":"
Hail damage<\/strong> to roofing happens all over the country every year, as hail storms are part of our normal life in the Midwest.\u00a0 It can be a painstaking process to file a claim.\u00a0 If you don’t have an honest contractor<\/a> in your corner, the insurance company could end up giving you a less than fair deal. That is why we have created this eight step process to help fellow readers file a hail damage claim for a roof.<\/p>\n Read on to learn the recommended insurance claim process for hail damage.<\/p>\n <\/p>\n Good roofing contractors should offer a claim assistance program<\/a>. These programs are designed to assist home\/business owners through the claim process, acting as a liaison with the insurance company, protecting the best interest of the owner.<\/p>\n Contact your local roofer of choice<\/a> before you reach out to your insurance company. This will ensure you have help in your corner when it comes time to negotiate with the insurance adjusters.<\/p>\n Call your agent and let them know that you had a contractor out and have confirmed that there is damage on the property and you\u2019d like to file a claim<\/a><\/strong>.<\/p>\n Insurance adjuster will call and schedule a time and date to be out at the property to assess the damages, it is imperative that you have representation at this meeting from your contractor. You want to have your contractor there who is familiar with how this process works and knows the items that need addressed at the assessment, because once the initial meeting is completed it is very hard to backtrack on missed items \/ damages.<\/p>\n Once you receive the approved scope of work for repairs from your insurance company, you and your contractor go through the line items and make sure that all the necessary materials and items are included in the approval. If there are missing components, your contractor will communicate with your adjuster to make sure you are getting everything you are entitled to as the insured.<\/p>\n All code<\/a> items should be included, as well as similar building products should be included in their approval – this is not always the case and an experienced contractor will know how to navigate this process on your behalf.<\/p>\n Now that your insurance specialized contractor has successfully completed the supplemental process of the claim and you now have funds for your project from the insurance company, you can pick out roofing materials and get your project started. Asphalt shingle<\/a> and metal roofing<\/a> are common examples for the Indianapolis area.<\/p>\n Keep in mind that your checks\/funds from the insurance company may have your mortgage company listed on the checks to be endorsed. This will make depositing the checks impossible without your lenders endorsement. We will handle that for you to help expedite the process and take the stress of jumping through hoops. All we need is either the blank unendorsed check, or a picture of the front and back of the unendorsed check.<\/p>\n Let your roofing contractor handle the project from there!\u00a0 An honest roofing contractor with good reviews<\/strong><\/a> will get the job done from this point.<\/p>\n <\/p>\n Your contractor will file their certification of completion<\/a> after the work is complete to your adjuster, and this will release any of the held back funds from the insurance company.<\/p>\n If you still have questions about how to file hail damage claim<\/a>, and you need assistance in the Indianapolis area, contact us today<\/strong><\/a>.<\/p>\n Check our\u00a0our customer reviews<\/a>\u00a0to learn more\u00a0about us<\/a>. Alternatively, you can schedule a free roof inspection<\/a> with us anytime.<\/p>\n The time you have to file an insurance claim is different depending on the insurance company, however most insurance policies limit your time to file a claim to within 12-24 months of the storm.<\/p>\n Take pictures.\u00a0 Also call a contractor that you trust to take their own pictures and perform a roof inspection as well. This gives you two sets of evidence, from two separate sources. Also, never accept the insurance company’s initial settlement offer without first running it by your roofing contractor. You will want to make sure the payout is sufficient to cover the damages.<\/p>\n Home insurance typically covers hail damage as it is considered a standard peril under most policies. Coverage usually includes damage to the roof and other parts of the house. However, the extent of coverage can vary based on the policy details and the deductible amount.<\/p>\n Yes, homeowners insurance generally covers roof damage caused by falling trees if it is due to an uncontrollable event like a storm. However, if the damage is due to negligence, such as not maintaining the health of the tree, the insurance may not cover the repairs.<\/p>\n Filing an insurance claim for roof damage is advisable if the repair cost exceeds your deductible and the damage is covered under your policy. However, consider the impact of the claim on your future premiums and consult with an insurance adjuster or a roofing expert before filing.<\/p>\n Homeowners insurance will typically cover roof replacement if the damage is caused by a covered peril such as a storm or hail. The coverage might depend on the age of the roof and the specific terms of your insurance policy.<\/p>\n Insurance companies determine roof damage by conducting an inspection, often performed by an insurance adjuster. They assess the extent of the damage, determine the cause, and check compliance with building codes and the policy terms.<\/p>\n No, homeowners insurance does not cover vehicles. Hail damage to a car is generally covered under the comprehensive section of your auto insurance policy.<\/p>\n<\/h2>\n
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Alert Your Contractor of Choice About the Roof Damage<\/h2>\n<\/li>\n<\/ol>\n
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File a Roof Damage Claim with Your Insurance Company<\/h2>\n<\/li>\n<\/ol>\n
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Schedule a Meeting with an Insurance Adjuster<\/h2>\n<\/li>\n<\/ol>\n
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Review with Your Roofing Contractor<\/h2>\n<\/li>\n<\/ol>\n
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Select Roofing Materials<\/h2>\n<\/li>\n<\/ol>\n
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Note the Payee on the Check<\/h2>\n<\/li>\n<\/ol>\n
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Let Your Contractor Take Over<\/h2>\n<\/li>\n<\/ol>\n
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Contractor Files Certification of Completion<\/h2>\n<\/li>\n<\/ol>\n
Contact Us with Questions<\/h2>\n
\nHail Insurance Claim FAQs:<\/h2>\n
How long do you have to file claim for hail damage to a roof in Indiana?<\/h3>\n
What are some insurance tips for after the hail storm?<\/h3>\n
Does home insurance cover hail damage?<\/h3>\n
Does Homeowners Insurance Cover Roof Damage From Trees?<\/h3>\n
Should you file an insurance claim for roof damage?<\/h3>\n
Will Homeowners Insurance Cover Your Roof Replacement?<\/h3>\n
How do insurance companies determine roof damage?<\/h3>\n
Will my homeowners insurance cover my car for hail damage?<\/h3>\n
What are the steps to file a claim for hail damage to my roof?<\/h3>\n