Myths And Facts About Hail Damage Insurance Claim

by Capitalroofing Restoration Capital Roofing and Restoration

So, your house recently went through a hail storm and you are thinking to apply for the hail damage insurance claim. But, before claiming for any insurance makes sure that you are not a victim of any hail damage insurance claim myths.

Myth

Physical inspection of the roof after hail storm is not necessary if you do not inspect any damage by seeing your roof.

Fact

It is necessary to inspect roofing system physically by a person who is experienced and trained to determine that whether there is any actual hail damage or not. Insurance companies provide special training to adjusters so that they can properly analyze and identify the damage caused by the hail storm.

Myth

You are not missing any shingle so there is no hail damage.

Fact

Missing shingles are related to the claims for wind damage and can happen during the time of hail storm due to high wind flow. Though, hail damage might not visible to you by ground and insidious by nature. Also, missing shingles cannot be considered as the criteria for identification of hail storm damage.

Myth

 You have the only one year to claim for your hail storm damage insurance. 

Fact

Many of the insurance companies have this one year limit for the claim of hailstorm insurance after the date of loss and some of the companies have the only time period of six months. But, because of hail storm’s nature damage can get spread to wide locations. This might prompt hail storm insurance companies to give some leverage to their customers. So, it is better to confirm from your agent that whether the date has been extended or not and if it is not, the file your insurance claim as soon as possible.

Myth

There is no need to file an insurance claim if there is very little or minimal damage.

 

Fact

If your roof is damaged then you can file the claim for your roof repair, as it might not cause any problem in present, but issues can occur in future. In such cases, it is better to go for a qualified person for your roof inspection.

Myth

Insurance companies will replace only that section of roof which is damaged.

Fact

There might be some circumstances in which it is necessary to replace the complete roof. So, roof system might not under the warranty of manufacturer if the entire roof is not replaced.

 So, whenever you think about to get your hail storm damage insurance claim, consider these facts. It will help you to make a better decision. For more information, you call us at 720-542-8715 . 

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Created on Jun 6th 2018 07:23. Viewed 721 times.

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