Hail Damage Insurance- Myths and Facts

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Most common misconceptions homeowners have about their property claims arising from hail damage.

MI looked at my roof and didn’t see any problems.

FRoofing systems must be physically inspected by someone who has training and experience to determine if there is actual hail damage. Insurance companies send their adjusters too special training so they can properly identify hail damage to property, unfortunately there is not much ongoing training for the roofing or home inspection industries.

MI’m not missing any shingles so I must not have damage.

FMissing shingles are related to wind damage claims and can happen during a hail storm if the winds are high enough. However hail damage is insidious in nature and may not physically cause leakage for years after a hail storm.

MI only have 1 year to file my insurance claim.

FMany insurance companies do have a one year time limit and some even less, however due to the nature of hail damage they may pay claims past the deadline. This usually happens if a hail storm is widespread geographically.

MMy roof is new so it’s covered by the manufacturer’s warranty or contractor.

FManufacturer’s specifically name hail as exclusion to their product warranty, so do home builders and roofing contractors. Newer roofs can actually be more susceptible to hail damage versus older roofs due to the time it takes a new roof to cure from exposure to the elements.

MI was told my roof has minimal damage and  I don’t need to file a claim.

FIf your roof has any damage what-so-ever you have a valid insurance claim and should file with your insurance company. Damage might not cause your roof to leak for years. This is why it’s important to have a qualified person inspect your roof.

MMy insurance company will cancel my policy if I file a claim.

FMost states prohibit insurance companies from cancelling policies for filing claims arising from severe weather related events. Check with your state however and your policy language as well.

MIf I don’t file my claim, my insurance company won’t raise my rates.

FAfter a disaster, insurance companies may raise every one’s rates. By not filing your claim, your personal rate increase is paying for everyone else’s hail damage except yours.

 

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