Debunking 5 Surrounding Myths Around Hail Damage Roof Insurance Claims |
Posted: July 15, 2016 |
Hail damage accounts for a whopping $1.6 billion dollars worth of roof repair costs in the US, making it imperative to have a roof insurance. Hail damage may rip off the structural elements of the roof and still go unnoticed. Lack of inspection and maintenance can further aggravate the damage leading to costly repairs in the future. Even if the visible damage gets noticed, a few myths keep people from approaching their insurer or a roof insurance consulting firm in Rockwall or other parts of the US. The blog post demystifies some of the myths related to hail damage roof insurance claims to ensure that you do not shy away from approaching the insurers. 1. Filing a Claim Invites Cancellation of the Roofing Insurance PolicyThe core purpose of a roof insurance is to minimize the repair or reconstruction costs in case of damage caused by a hailstorm or other harsh weather conditions. Most states prohibit insurance companies from cancelling the policy for filing claims that arise from weather related conditions. If roofs in any area suffer severe climatic damage, the worst that can happen from insurance perspective is a spike in the premium costs. 2. Roof Insurance Is Suitable For Old Roofs OnlyAnother common misconception is that roof insurance is meant for old, worn-out roofs and has no relevance for new roof installations. While it can be normal to assume that a new roof carries a manufacturer warranty, it would be interesting to check for a few damage inclusions such as hail or weather damage. Moreover, some manufacturers exclusively exclude hail-related roof damage. So, even if it’s a new roof; insurance coverage can be helpful in mitigating the costly repairs in the event of a hail inflicted roof damage. 3. An Insurance Claim Increases PremiumsSteep premium rates have nothing to do with individual insurance claims and are determined by the geographical area. If multiple roofs scattered across a geography suffer hail damage leading to a spike in the number of insurance claims; the premiums will go up in any case. In fact, roofing companies predetermine the roofing premiums based on the weather conditions and other factors in an area before you sign on the dotted line. 4. Insurance Claims Need to be Processed Within a YearAlthough most insurance companies allow a one-year window to file roof damage claims; the deadlines can also show a variation. If roofs in an area suffer severe damage leading to a large number of claimants; the one-year deadline may be extended. So, you need to consult a roof insurance company in Rockwall or other states in the US to check whether the claim window has lapsed or you still have a chance to reimburse costly repair costs. 5. If there are no missing shingles, there is no damageMissing shingles are more related to wind damage. Hail damage is insidious and may not be visible from the ground. Hail storms may peel off the gravel coating from asphalt roofs and make it susceptible to UV ray damage. The damage may is visible only after removing the the shingles and examining the underlying structure. The key is to take work with your insurance provider to cover the damage. Insurance companies may also send adjusters to gauge the level of damage to the roof and determine whether they owe partial or complete repair costs. The Way ForwardSome instances of hail damage are obvious while some are not. Moreover, a fallacy in gauging roof damage may make it susceptible to more serious issues in future that may involve either costly repairs or even a complete replacement. While a roofing contractor can help in assessing the extent of roof damage, hiring a roof insurance consulting firm can backup your insurance claims and also prove handy to get an accurate estimate for roof repairs.
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