No one wants the headache of filing an insurance claim, but when life forces you, you need help understanding the process. Good decisions can be made when all options are known and explored to establish a recovery plan that fits your situation. We will use our experience to work with your insurance company in rebuilding your property to its pre-loss condition.
Hail Damage. Myths and Facts About Insurance Claims
The Truth About Filing an Insurance Claim on your Roof.
Myth: I went out after the hailstorm and looked at my roof and didn’t see any problems with the shingles.
Fact: Your roof must be physically inspected by a trained professional who has experience spotting hail-damaged shingles. Many, many times we have gone out to a roof after the inspector has been out to look at the roof and found hail damage. Insurance Adjusters are sent to training to spot hail-damaged roofs but usually do not get ongoing training. John Beal’s roof specialists all are part of ongoing training that our company provides on a weekly basis.
Myth: There are no missing shingles: so there must not be any damage.
Fact: Just because you do not have missing shingles doesn’t mean you do no have hail damage to you roof. Missing shingles are generally associated with wind damage.
Myth: There is only a one year period to file a claim on my roof.
Fact: Most insurance companies do have a one year time limit to file a claim and some insurance companies are even less. Sometimes though, depending on the nature of the hailstorm, if it was side spread for example, they may pay claims on past storms. BMI Contracting has a great reputation with all insurance companies and can work with them to try and get your claim covered.
Myth: My roof is brand new so the damage will be covered by the roofing company of the manufacturer.
Fact: This is definitely not true. Most companies and manufacturers specifically name hail damage as a void in warranty. This is even more of a reason to have your roof inspected if you have had a new roof installed on your home. You do not want to void the warranty.
Myth: I was told by my adjuster that there was very little if any damage and I don’t need to file a claim on my roof.
Fact: If your roof has any damage at all, you have a legit claim. Hail damage to your roof might cause your roof to leak years down the road. This is why it’s always good to call BMCI Contracting for a free inspection and or a second opinion.
Myth: I think my insurance company will cancel my policy if I file a claim.
Fact: In many states insurance companies are not allowed to cancel your policy just for filing a legitimate insurance claim coming from a hailstorm. Check with your individual policy and state laws to make sure though.
Myth: If I don’t file an insurance claim on my roof, my rates won’t go up.
Fact: After a large hailstorm, insurance companies can raise everyone’s rates regardless if you have file a claim or not. If you do not file a claim, your personal rate increase is paying for everyone else’s roofing claims except yours.
How does the size of the hail affect your roof claim and inspection?
Hail size and damage can be different from one house to the next. Just because your neighbor’s house was paid for and replaced by the insurance company doesn’t mean yours will.
Hail that is less than one inch or about the size of a quarter can cause damage to roofs but is harder to identify and usually takes a professional roofer, like BMCI Contracting to find. Even your insurance claim adjuster sometimes has trouble finding these hail hits to your asphalt shingle roof.
Hail stones that are 1″-2″ or the size of a quarter to and egg should be more visible during your inspection for hail damage. Asphalt shingles will most likely be damaged from hail that is in this size range. Soft metal on your roof including gutters should show sings of damage.
Hail damage from hail that is greater than 2″ should be very visible and you would most likely know it. Shingles will be damaged and maybe even the wood underneath. Usually all the insurance companies will consider these to be a catastrophic event and may even reach out to you directly.
Missing granules, bruising and circular cracking are all signs that your shingles are damaged from hail and need to be replaced. If you are uncertain and would just like a free hail damage inspection, Call BMCI Contracting and let us give you some friendly advice on what to do next. Often times there are many other items on your roof that the insurance company will replace ONLY after a roofing company brings it to their attention.
Various Ways Shingles Can Be Damaged
Loss of granule layer on the shingle will cause the organic-based center of the shingle to be exposed to the sun’s UV rays. This will cause serious deterioration of the shingle in a short period. Furthermore, hail can actually puncture or seriously damage your roof.
Over 50 miles per hour can lift the shingle and cause seals to break, never to be resealed. The unsealed shingles will then flap in the breeze and soon snap off.
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