A recent hail storm in San Antonio has caused more than 1 billion in damages to homes, automobiles, churches, and commercial buildings in Bexar County, Texas. Hail stones as big as softballs were reported in several parts of the county. Large hail produced by a storm is not an uncommon occurrence in Texas. In March of 2016, a large hail ripped through Dallas causing similar hail damage. With the annual escalation in damages caused by hailstorms, some insurance companies are looking to limit their losses.
When making a claim It’s important to read and fully understand your policy. New Rules may impact your ability to file a claim and collect on damages. Many policies require prompt and early notice of a claim. In some cases, insurers may deny claims that were discovered later.
Insurance claim payouts on roofs can vary depending on the carrier. Most policies have a deductible; the portion to be paid by the insured. Some policies depreciate the value of the roof and may not cover the roofs full replacement value. Either way, it’s important to understand how your insurance policy works and pays.
Here are some tips to get the ball rolling:
- Contact your insurance company early, especially in a large storm it helps to get on the top of their list.
- Don’t start cleanup or other significant work until after the insurance adjuster comes.
- Meet with your adjuster if possible and get their contact information. Make sure to point out all possible areas of damage. No one knows your home as well as you.
If you are denied by your insurance company:
- Call Shelter Pro and we can inspect your roof for hail damage. If we find damage, we can take photos and submit them to your carrier. Shelter Pro has a former adjuster who is familiar with the process and can help with your claim.
- Another option is to consider hiring a public adjuster. Public adjusters are not employed by the insurance carriers and usually paid a percentage of the claim.
- You can also lodge a complaint with the Texas Department of Insurance or hire an attorney.
Other things that may help:
- Records of previous repairs and maintenance can help you prove that the windows, roof, siding and other home exterior features were in good shape before the hail storm.
- We always recommend taking photos of your property and receipts on major purchases. There are some great apps for smartphones for scanning text documents, making it easier than ever to keep all those receipts neatly organized.