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How to File an Insurance Claim for Roof Hail Damage - Page 1

Claims for hail damage to roofs is on the increase. If you live in an area where you can get hail large enough to possibly cause damage to your roof, you will want to know how and when to file an insurance claim for damages. If you're not sure whether your home has been damaged by hail, start by examining other objects around your house for signs of damage before calling your insurance company or pulling out your ladder. Hail strong enough to damage a roof will also cause damage to nearby cars, wood fences, shutters, gutters and/or exterior siding. Also a significant amount of shingle granules appearing at the end of downspouts may indicate potential damage; however, granule loss, in and of itself, does not prove hail damage.

1. Note the date. If you know for sure that you've recently had a hail storm, note the date. You'll need this date to file a claim. If you didn't take any picture of the hail storm yourself, do an internet search with the name of your city and the keywords, "hail storm." You ought to find a lot of pictures of people showing the size of the hail. So, save a few to show the agent.
2. Get a qualified opinion. If you suspect you have damage to your roof from a hail storm, get an opinion from a qualified roofing company. Emmons Construction specializes in roofing and insurance claims. We will come out and give you a free inspection for roof damage, and we can also meet with your insurance adjuster and act as your liaison between you and your insurance company.
3. Filing the claim. This is the easy part. If your roofing company recommendeds you call in a claim, just call your insurance company and tell them you want to file a claim for hail damage. They will then request all the pertinent dates and data from you and will probably also ask if you have any interior damage. Also know that in most states you have up to one year to file a claim for damage. Although we don't recommend you wait that long, just make sure you know what the date(s) of the hail storms were. Also, don't worry about how old your roof is because it doesn't matter. The insurance company will look at your claim and settle it if you have damage no matter how old it is. The last thing they want is for your roof to fail (leak) and you put an even larger claim in.