Hailstorms can cause extensive damage to property, whether they’re cars, outdoor furniture, or house exteriors. Although most homeowner’s insurance companies cover hailstorm damage, there may be a time limit until you can make a claim. This is why you need to be vigilant when contacting the insurance company after a brutal storm. If the damage worsens due to negligence or inadequate repairs, the insurance company is likely to not cover the damage.
Factors That Determine the Magnitude of Hail Damage
There may be numerous reasons why the magnitude of hail damage varies from home to home, even if they are in the same lane. Some of these factors include:
- Building material quality, especially the shingles, plays a vital role in the level of damage sustained by the exterior of your house.
- The direction your house faces and the direction of the hail determine the amount of damage that may occur. The hail will strike parts of your house that directly face the storm. Some parts of the house may incur more extensive damage than those not in direct line of the hail.
- Trees can also help protect houses from hail damage when they grow in close proximity of the property.
If you live in an area where hailstorms are common, it is better to be prepared for this natural disaster. Read the insurer’s policy regarding hail damage thoroughly so that you can make appropriate claims when the time comes.
How To Identify Hail Damage and Schedule Repairs
Hail damage is not just unpleasant to the eye, but it also causes other problems, including leaks, weak shingles, security issues, damage to the home’s interior, etc. You must get the hail damage fixed right away so it’s mitigated before worsening, causing additional problems. Early damage control may help homeowners get the best insurance claims.
Here are some tips to help you identify hail damage:
1. Inspect the Exterior of Your Home
The siding, roof, and windows may have signs of damage, such as cracks and holes. The gutters, downspouts, vents, and shingles may be dented and bent after a hailstorm. Before you step out, make sure that it is safe and that the hail has passed. You may check the weather report on the internet or call someone if you are unsure.
2. Look For Interior Damage
If your walls or ceiling have water stains or if they are damp and dripping water, the chances are that your room has sustained damage from the hail. Contact us right away so we can fix the damage for you.
3. Get a Storm Report
Weather services also report the magnitude, wind speed, direction, duration, and other factors involved in a hailstorm. These stats can help assess the damage to your house and provide information to the insurance company.
4. Contact Your Homeowner’s Insurance Company
Call your insurance provider immediately after a storm and inform them that you are making a claim. You may quickly go through the insurer’s policies to know what you’re going to expect on the call. Having a storm report on hand can help explain the plausible damage to your exterior and make it easier for the insurance company to estimate the probable cost of repairs and reconstruction.
Some hail damage repair companies, such as C’s Exterior Design, help you make these claims by making the process easier by undertaking the required paperwork upon them. You might want to contact a hail damage repair company before you begin filing the insurance paperwork.
5. Contact a Company That Deals With Hail Damage Repair
Storm chasers may approach you after hail and try to make offers that may seem tempting, but these are not to be trusted. Find a trustworthy state-licensed company that deals with damage repair. In Montana and Northern Wyoming, where hails and storms are frequent, some companies specialize in hailstorm construction and repair.
6. Have the Hail Damage Repair Services Company Contact Your Insurer
Insurance companies assess the damage themselves, but they will also take estimates and consultation from state-licensed repair companies. Insurance companies may work with contractors and pay them directly instead of homeowners. Don’t be alarmed! This is a normal process that prevents pocketing or use of the sum for other purposes.
Hailstorms can be chaotic and wreak havoc on property. Remember that the longer you delay hail repairs, the harder it will be to make insurance claims, and the damage may get progressively worse.
Call C’s Exterior Designs immediately if you live in Billings, Montana or Northern Wyoming. Our company will help you sort out the steps leading to insurance claims and make the process smoother for you. Just give us a call, and we will take care of you from there.