Autumn Season

Hail and Insurance: Make Sure You Have Proper Coverage

Many people enjoy the sound and look of hail. It is certainly a natural phenomenon that invokes a bit of mystique and amazement. At the same time, the aftermath of a hailstorm can leave you ruing the day that you ever thought hail was ‘cool.’ It can cause great damage to your roof and other structures, not to mention creating a headache in other ways as well. Because hail can strike virtually anywhere at any time, it is best to be prepared ahead of time. You will want to begin by making sure that you have proper insurance coverage in order to give you needed peace of mind that you are protected in any such situation.

Consider the Time

Believe it or not, you do have a bit of time to contact your insurance company after a hail storm in order to claim benefits. This is often because damage can take awhile to notice. That being said, you do want to be mindful that if you wait too long, you might find that your insurance company will not receive your claim.

Be Proactive

Do not wait until the last minute to call your insurance company. As soon as you know there is damage from a hailstorm, you will want to be on your phone with your agent inquiring about the initial steps to take in the process. Even if you think you live in an area that you think will not suffer from hail storms, you need to have adequate insurance. Be aware that hail can occur in nearly any type of climate, so you need to be prepared for the damage that it can cause. Take a moment to review your homeowner’s insurance policy and look for limits of storm related damage. If you do not feel that you are adequately protected, you will want to contact your agent to shore up your coverage and give you the peace of mind that you need.

Consider the Possibility That You’re Not Covered

It is possible that your insurance does not cover the type of damage that has been caused by a hailstorm. If this is the case, do not panic. Contact a professional restoration company to determine what needs to be done. They can also help guide you towards an insurance company that will cover you moving forward, and possibly even get a discount on the premiums thanks to the work that has been done. One thing to keep in mind is that you should not look back. Look forward and determine what you can do to protect yourself in the future better.

Choosing the Right Roofer

You need a roofer that understand how to protect your home or office building against a host of activities that Mother Nature can throw your way. When it comes to hail, the type of roof that you have definitely matters. If you are finding that your area seems to have quite a few hailstorms every year, and you are in the market for a new roof, you will want to consider installing one that contains material that is impact resistant. For help, contact a professional roofing company in your area and see what they have to offer in terms of this type of material. If you have a roof that contains the right mix of materials, hailstones will not be able to cause as much damage as they might otherwise be able to.

These pieces of advice will help you in the event that hail comes your way. Just remember that hail is simply another form of rain. Treat it with respect and learn to prepare for it. Doing that will bring you safely through the other side.

See Also: Filing and Insurance Claim on Your Roof