Hail and Storm-Damage Insurance Claims Do’s and Don’ts

By Stacy Mellete

Homeowners insurance can be a big help to you when your home is damaged by storms, such as strong wind or hail storms. After all, it can help you pay for the repairs of the damage or recoup what you spent to repairing said damage. After a particularly strong storm, experts often recommend that you contact your insurance provider as soon as possible to initiate a claim.

In this post, roofing pros from Affordable Roofing Systems discuss the do’s and don’ts of hail-damage insurance claims.

hail storm roof damage insurance claim

Do: Document

If the weather forecast predicted that the storm will be a particularly strong one, it’s important that you take a photo of your home before the storm rolls in. Once the storm has passed and before making your insurance claim, make sure that you take note of the date and time of the damage. Take photos of the specific areas in your home with damage as well. Keep any estimates or receipts for repairs with you as well. That way, you’ll have evidence and documents to show your insurance provider.

Don’t: Use a Contractor Referred by the Insurance Company

While you’re more than welcome to use the contractor your insurance provider refers to you, that doesn’t necessarily mean you have to. As much as possible, choose the one that best fits your home and keep the recommended contractor as a backup if you run out of options.

Do: Look for the Best Contractor

Whether your home is inflicted with hail damage or storm damage, it’s important that you choose only a reputable roofing contractor to do the inspection. You can easily research online or ask for referrals but always make sure that they’re licensed in the state and if they have a good reputation with the Better Business Bureau.

Don’t: Accept An Offer From the Insurance Agent if It Doesn’t Cover the Scope of Work

The most important reason why you should have a contractor inspect the damage before you make your claim is to learn the full scope of work needed. That way, you have some documents to provide to your insurance provider when you tell them the amount needed for repairs.
If they offer you anything less the amount needed, don’t accept it and instead press your claim further. If you’re uncertain of going on your own, you can always hire someone who has knowledge of making such claims easier, such as Affordable Roofing Systems.
For assistance in installing metal roofing on your home, look no further than Affordable Roofing Systems. We are your leading provider of residential roofing and storm damage restoration services.

Give us a call at (813) 542-8462 or fill out our contact form to request a free estimate. We serve homeowners in Tampa, St Petersburg or other nearby areas in FL.

Are You Interested in an Estimate?
GET A FREE ESTIMATE

Our Roofing Solutions

Your roof has an important job to do to keep your home dry, but it can also be an impressive home feature.

Stone-Coated

Our stone coated steel roofing system is available in a wide range of styles including Tile, Shake, Slate, and Shingle, and in a variety of colors. We’ll help you to choose one that will fit your home’s style and your budget.
READ MORE

Shingles

As the most-used roofing type across North America, asphalt strikes a balance between price and durability, with a life expectancy of up to 20. Shingles are available for those who want affordable, genuine slate roofing.
READ MORE

Tiles

Tile roofs offer unparalleled value when cost per year of use is factored in. While upfront costs are higher, customers who choose a clay or concrete tile roof will enjoy the aesthetics and quality for a lifetime.
READ MORE

Metal 

Metal roofs today come in a wide array of colors and finishes. Innovations in metal roofing technology have significantly enhanced the performance of metal roofs.
READ MORE

TPO Membrane

TPO can be installed to any scale with some of the world’s largest building utilizing TPO roofing systems – it comes in strips typically 8ft 10ft and 12ft wide that are heat welded on site.
READ MORE

Customer Experience

Save time and money with a Top-Rated Roofing Service

  • I am very impressed! Your workers have left me with really considerable knowledge of our new smoke alarm system and appliance.
    Carolyn Wintner
  • Not only were they the most thorough with the initial inspection, but workers also had the best price offer I have searched for.
    Michael Doe
  • They performed the most comprehensive inspection and the handyman was the most knowledgeable worker I have ever met.
    Catherine Jane
  • The workers were great-knowledgeable, courteous and very efficient. They finished on time and I am very satisfied.
    Sue Jones
Are You Interested in an Estimate?
GET A FREE ESTIMATE
Affordable Roofing Systems Inc.
Rated
4.0
/  5 based on
72
Customer Reviews

VERIFIED
1
1
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram