Think you might have some Hail Damage?
Common misconceptions about hail damage
- I can’t see any damage on my roof, so it’s probably not worth the time or effort to call a contractor or my insurance company.
- I don’t see any missing shingles and my roof isn’t leaking, so I must not have damage.
- My roof is fairly new and it’s covered by a warranty, so I don’t need to call my insurance company about hail damage.
- If I file a claim, I’m worried that the insurance company might cancel me or penalize me.
- I’m worried that my homeowner’s insurance premium might go up if I file a claim.
Here is a little Q & A that might help you:
Q: I’m not missing any shingles so I must not have damage.
A: Missing 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.
Q: I only have 1 year to file my insurance claim.
A: Many 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.
Q: My roof is new so it’s covered by the manufacturer’s warranty, home builder, or contractor.
A: Manufacturer’s specifically name hail as an 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.
Q: I was told my roof has minimal or very little damage and therefor I don’t need to file a claim.
A: If your roof has any damage what-so-ever you have a valid insurance claim and should file with your insurance. Damage might not cause your roof to leak for years. This is why it’s important to have a qualified person inspect your roof.
Q: My insurance company will cancel my policy if I file a claim.
A: Most 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.
Q: If I don’t file my claim, my insurance company won’t raise my rates.
A: After a disaster, insurance companies may raise every one’s rates. By not filing your claim, your personal rate increase is paying for every one else’s damage except yours.
For any further questions or information please feel free to call us (501)525-4200