Assess the Condition of Your Roof
- It is nearly impossible to see hail damage from the ground
- Often times, leaks do not occur with hail damage
- Inspect your gutters and other metal fixtures for dents and dings
- If you see an increase of granules coming from your gutter downspouts, you may have damage
- Hail damage shows up as discolored smudges, often oval in shape and slightly dimpled
- If your home is missing shingles you may have wind damage, which could warrant roof replacement
- Lifting up on one shingle and having several other shingles lift up around it is a sign of wind damage
- Call us if you believe your home has suffered any of the telltale signs of wind or hail damage
Wind Damaged Shingles
Hail and Wind Damage
Insurance Claims Process for Roof Replacement
Opening a Claim
The insurance company will need to know when the damage occurred and the specific type of damage. They are normally willing to provide reimbursement for damages up to 16 months after the storm or incident occurs. You should expect them to ask questions concerning the age of the home, the length of ownership, the size of the home, and the insurance claim history regarding the home. They will provide a claim number, and set up an appointment with the adjuster, who will then come to your residence and inspect for damage.
Inspection of Your Roof
The insurance adjuster will perform a walk around on the roof surface. Usually, for your home to qualify for hail damage there must be 8 to 10 distinct strikes within a 100-square foot section of the roof. Your adjuster will also look for signs of wind damage. If enough damage is noted, you may then move forward with a complete replacement of your roof.
There is no penalty to the homeowner if the adjuster finds no damage. The insurance company considers that the homeowner is merely protecting his/her interest in the property.
If the adjuster finds partial damage, the company may issue a check to cover a percentage of the damage. Again, the homeowner can appeal this decision and request a review by a second adjuster. If evidence of adequate damage is found, after the second inspection, the insurance company will pay for the entire roof to be replaced.
Partial Payment Check
With full damage, the insurance company normally writes an initial check for approximately 30% to 40% of what they consider a fair cost for a new roof. This may be issued the same day, or it may take several days depending upon the insurance company’s policies.
With that check in hand, the homeowner can now find a roofing company that will complete the replacement for the same cost as the insurance proceeds. The usual procedure is for the homeowner to pay the roofing company the same amount as the initial check when the agreement is signed. This allows the company to pay for the material and labor in advance.
Insurance Balance Paid
After the work is completed and certified to the insurance company by the roofing company, the insurance company may have their own inspector look over the roof. They will then issue a check for the balance of the money, less the deductible if any, along with any supplemental checks. This check goes to pay the balance of the money due to the roofing company.