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Contact a Roofing Contractor Before You Make an Insurance Claim for Hail Damage

When you home has been through a hail storm such as the one in this video you obviously are going to need your roof and property inspected. Having a Roofing Contractor see if the damage warrants filing an insurance claim is a very important decision to make first. You're Homeowners Insurance carries a typical deductible of 1% of your home’s insured value. This means if you have $200,000 worth of coverage, you're deductible is often $2,000.

When your Insurance Adjuster visits the property and doesn't find enough hail strikes in a 10 X 10 area on all 4 sides of your roof to approve it for replacement you're in a pinch. Since the roof is the major ticket item, the gutters, fence and other minor repairs such as window beading will be approved for replacement but can be very close the the deductible amount. An example would be a claim for $3,000 worth of damage and your deductible is $2,000 so you get a check for $1,000 once repairs are completed. It's important to know that the items in your claim are no longer insured under your policy until the repairs have been made.

If you are in the area of McKinney, TX, I would highly recommend that you give a Roofing Contractor such as McKinney Contractors a phone call to get a free Roofing Inspection as a piece of mind before filling your claim. Once the claim is filed, have your Contractor meet the Adjuster to make sure you're getting represented by a professional who has your best interests at heart.

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About the Author

Ron Robey, American Veterans Fence Company
5900 S. Lake Forest Dr. #300
Mckinney, TX 75070

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