Hail Storm Tips for Damage

Nov 2

Summer is the time of that our area is prone to occasional hit-or-miss storms that produce powerful flooding, hail, wind rain, lightning and thunder. If you're a homeowner and is impacted by one of these dreadful boys of summer Knowing how to manage the aftermath will help get your life back in order.

It's simple for homeowners to see damage to their homes can be caused by the wind or hail. Many ice ball slams against your home can cause damage to shingles, scarred or damaged windows, cracked siding and downed gutter spouts just to mention only a few.

1) Immediately following a storm Contact Information for the Insurance Company and the Contractor:

If a storm is causing so much damage to your home, it could be scary and even bizarre. There's no reason to panic or inaction right now. It is imperative to contact your insurance company or contractor. Most hail roof damage contractors and insurance firms operate on a first-case basis which is crucial in the event that large areas are affected.

2) Make sure you know the facts:

Take photos of any hail against a measuring ruler or tape or a round object of equal size, like Ping-Pong balls.

Keep track of the exact arrival time and the date of the hurricane.
Photograph your home and surrounding areas.
Be attentive to any signs of damage such as dents in siding or damaged shingles.
Inspect the roof, siding windows, gutters, and doors for any damage.
Check every piece of equipment for damage.

3) Hail and Storm Damage Isn't Always Visible

Remember that hail and storm damage could go unnoticed for many years. The homeowner might discover the leak is caused by damaged shingles that went undiscovered after a couple of months. This is why it's important to have a competent contractor assess your property.

4) Meet Face to Face:

Plan a face to contact meeting with your contractor, your insurance adjuster, you, and others. It's essential to hold this face-to-face discussion to ensure that both you and your contractor can voice your concerns to the adjuster.

5) Get multiple estimates and bargain with insurance companies:

You don't have to accept your insurance company's initial claim payment if it does not cover the full scope of repair. They obviously expect you to pay the payment without hesitation. Always get several estimates in order to be best positioned for negotiations.

If the insurance company attempts to lower the amount of your claim, hire an independent adjuster negotiate the details and submit the damage report. You may also reach out to the insurance commissioner of the state or an attorney if the negotiation fails.

6) Avoid Storm Chaser Contractors:

Local contractors with a good reputation and a location that has been in operation for at least 2 years are recommended. Storm chasers are able to offer fantastic deals as they come to your location to repair numerous homes in a short time. In the event of any kind of commitment or guarantee then they'll be gone.

7) Make use of the storm damage to Make Home Changes:

Even though your insurance company might not be able to cover changes, you might be able to make use of the damages from the storm to make improvements. Skylights or sky tunnels is a good idea when you are forced to replace your entire roof. In the same way, if you're experiencing an excessive amount of utility bills due to poor insulation, it is recommended to upgrade the insulation when the rafters can still be accessed.