Hail storms can wreak havoc on your roof, leaving it vulnerable to damage that can compromise its integrity and longevity. If you live in an area prone to hail storms, it is important to know how to assess the damage and determine whether you need to call a roofer or your insurance company.
Calling a Roofer
Hail can cause various damages to your roof, such as cracked, dented, or missing shingles, granule loss, punctured membranes, and more. If you notice any of these signs after a hail storm, it is important to get your roof inspected by a professional roofer as soon as possible. A qualified roofer will be able to assess the extent of the damage and recommend the appropriate repairs or replacements.
If you suspect your roof has been damaged by hail, the first thing you should do is call a licensed roofer. The roofer will assess the damage and determine whether repairs or a complete roof replacement is necessary. According to Edina Realty, the process of filing a claim for roof damage is relatively simple. Once the roofer has identified the damage, contact your insurance company to file a claim.
Hail Damage Roof Insurance
Second, If you have homeowner’s insurance, it may cover the cost of repairing or replacing your roof if it has been damaged by hail. However, you should check your policy carefully to see what kind of coverage you have and your deductible. Also, be aware that filing a claim can affect your premiums, so it is important to weigh the costs and benefits before deciding.
Hail Damage Roof Inspection
It is important to inspect your roof regularly, especially after a hail storm. A professional roofer can identify any damage that may have been caused by the storm and recommend the appropriate repairs or replacements. A thorough inspection can also help you prevent future damage by addressing underlying issues that may make your roof more vulnerable to hail and other weather-related hazards.
Get Hail Resistant Roofing
If you live in an area prone to hail storms, you may want to consider installing a hail-resistant roof. Hail-resistant roofs are made of materials that can withstand the impact of hail, such as metal, tile, slate, or asphalt shingles, with impact-resistant ratings. While these roofs may cost more upfront, they can save you money in the long run by reducing the frequency and severity of hail damage.
Working with an Insurance Company
When dealing with hail damage, it’s essential to understand your insurance coverage. If you have homeowner’s insurance, contact your insurance company to determine if the loss is covered under your policy. Policy Genius states that if your insurer suspects that the damage was due to a lack of roof maintenance or is purely cosmetic, and the roof is still functional, you may not be covered for repairs or replacement.
Before filing a claim, it’s essential to understand your insurance deductible and policy limits. You may be required to pay a deductible before your insurance company covers the costs of the repairs. Your policy limits will also determine how much coverage you are eligible for.
If you are a homeowner in Denver, you can also benefit from the expertise of a qualified residential roofing contractor. Whether you need a new roof, a repair, or an inspection, a professional roofer can provide you with the highest quality services and materials that meet your needs and budget.
In conclusion, hail damage can be a serious threat to your roof and your property. Whether you need a roofer or an insurance company, it is important to act promptly and wisely to protect your investment and your peace of mind. Contact Roof Evolution today to schedule your hail damage inspection or learn more about our commercial and residential roofing services.
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