Posted on: 9 August 2017
Any time a hail storm tears through your neighborhood, there is a risk that your roof could be damaged by hail and wind. Fortunately, if you have a homeowner's insurance policy, there's a good chance any damage will be covered. Still, there are some common mistakes homeowners make regarding roof damage that you'll want to be careful to avoid:
Waiting to File a Claim
As soon as safely possible after a storm, either hire a professional roof inspector to check out your roof for damage or take a look yourself. If you see any obvious damage, file your claim as soon as possible. Some insurance companies will not give you much time to file, and in the meantime, any damage to your roof is only likely to get worse.
Ignoring Even Minor Damage
Even minor roof damage, such as a missing shingle here or there, needs to be reported to your home insurance company as soon as possible. All it takes is minor damage to gradually cause large water leaks and more expensive damage down the road. And if your insurance company determines that a major roofing problem was caused by lack of maintenance, you could be out of luck when it comes to getting your claim accepted.
Paying Cash Up-Front for a Repair
When hiring a roofing company for your repair, try to find one that will work directly with your insurance company so you don't have to pay anything out-of-pocket. Many roofing companies will even handle the claim on your behalf, saving you a great deal of time and hassle. If you do need to pay up-front, make sure you get a reimbursement check from your insurance company before repairs are done.
Relying on Manufacturer's Warranties
While you may have a warranty on your roof, it's important to understand that most warranties from manufacturers will not include coverage for natural disasters or weather-related damage. Some homeowners make the mistake of turning to their roof installer or builder when hail damage occurs, but in reality, this is almost always something that should be taken care of by your home insurance company.
Roofing damage caused by hail is rather common, so going through your insurance company to get it taken care of shouldn't be a big hassle. Just be sure to avoid some of these common mistakes to ensure the process goes as smoothly and seamlessly as possible for you.
Contact a hail damage roof repair service for more information and assistance.Share