When Do I Call An Insurance Company For My Hail Damaged Roof?

Hail damage is covered by most insurance companies all across the US. Of course, it also depends on the insurance policy, on your exact location and on your insurer.

An insurance company usually covers the damage, minus the deductibles. According to most insurance and roof repair Westminster CO companies, a policyholder should file for coverage as soon as the damage was done by the hailstorm. Also, the claim should be accompanied by photos which clearly indicate the degree of the damage, in order to be able to fully enjoy the benefits of such insurance policy.

At the same time, it should be noted here that insurance companies nowadays have the option of excluding payments for damage done to exterior areas, which include walls, doors, roofs and windows. According to the insurers, such exclusions are important to prevent the action of raising insurance premiums for all homeowners. However, there are often benefits to compensate for the exclusion policy of insurers.

In case of hail damage, your roof should have some clear signs. For instance, the metal parts of your roof may be affected, such as wind turbines, metal caps, and so on. Also, you should look for granules in your gutters, or broken branches in the trees located close to your roof.