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Is Hail Damage On My Roof Covered?


Will Insurance Cover Storm Damage Restoration
Due To Hail Damage In Glen Mills, PA?

How Your Insurance Company Works After
A Hailstorm Damages Your Roof


Storm damage restoration in Glen Mills, PA can be grueling when working with insurance companies. Luckily, hail damage is one of the easiest types of damage to cover with insurance, but there are still a few hoops you have to jump through.

Best Contracting works well with Delaware County homeowners and insurance companies to find the best solution for your roof. We are experts at storm damage restoration and even offer inspections after a storm to help you save the most money on repairs.


What To Do When You Contact Your Insurance Company
After A Hailstorm In Delaware County

Contacting your insurance company after a hailstorm is one of the first steps in getting the best storm damage restoration. No matter your policy, there are a few actions you can take to ensure that you cover your bases.

Take Notes

Write down the names of the people you talk to, what they tell you, and any numbers they give you. Keeping records of the steps you take and the promises representatives make you can be useful in filing your claim.

Save Receipts

Try not to pay anything until you have your roof inspected. If you do pay something, save the receipts. This is helpful for your claim, getting coverage, and for tax purposes.

Photographs

Take photographs as soon as you can after the hailstorm. Make sure you don’t move anything around or make even minor repairs before doing so. Your insurance company will take pictures, too, but it’s best to have a set for yourself as soon as possible.


What Type Of Insurance Covers
Hail Damage To Your Property?

Your policy, plan, and other details about your insurance affect your coverage. Your roof falls under dwelling coverage, and most dwelling insurance covers hail. If the plan covers any weather-related risks, it will likely cover hail. But that is something that you may want to ask your insurance company directly. Or you can check out your plan coverage.

On your plan details, look for all-perils insurance or all-risk insurance, which covers most property damage, except for their list of exclusions. The exclusions rarely include hail damage and are usually set aside for flood damage.


What May Stop Your Insurance Company From
Coverage Hailstorm Damage Restoration?

There are always loopholes in the system that may stop you from getting your storm damage restoration for hail covered. Ensure you check all of the boxes to grant yourself the best chances of the greatest coverage.

Partial Loss

If your insurance adjuster visits your home and deems your roof a partial loss, it means that the cost to repair it is less than the value of the roof. This usually isn’t a problem unless you believe you need a full replacement and they only offer you a repair.

Not Paying Your Deductible

Your insurance company will not pay for your roof repair or replacement until you meet your deductible. To get a better idea of how much you’ll pay out-of-pocket, pay attention to whether your plan is percent-based or has a flat rate.

Missing Your Window

The exact time frame depends on your insurance company and your plan. Most of the time, you have to file a claim within six months to a year after the damage, but it’s best to do so as soon as you can.

Cosmetic Damage

This is where things get tricky. If the insurance adjuster marks the hail damage as “cosmetic,” your insurance company may not pay a penny. Most coverage only covers structural damage or damage that may affect energy efficiency.


Best Contracting Helps You With Storm Damage Restoration
And Getting The Best Coverage For Hail In Glen Mills, PA

Best Contracting is a licensed contractor certified for storm damage restoration in Glen Mills, PA. Our repairs and replacements after hailstorms are unmatched. If you want to know the next steps after hail damages your roof, call Best Contracting today at (717) 283-4524 for a free quote.


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