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April 21, 2014

Myths about Hail Damage

Myth: I looked at my roof and didn’t see any problems, or my roofer inspected it and there are no problems.

Fact: Roofing systems must be physically inspected by some one who has training and experience to determine if there is actual hail damage. We at Peak to Peak Roofing & Exteriors have the experience to not only determine wind and hail damage, but also how to properly work with insurance so there is a mutual agreement of damage. Insurance companies send their adjusters to special training so they can properly identify hail damage to property and we ensure that they know that we are very knowledgeable of damage as well.

 

Myth: I’m not missing any shingles so I must not have damage.

Fact: Missing shingles are related to wind damage claims and can happen during a hailstorm if the winds are high enough. Hail damage is insidious in nature and may not physically cause leakage for years after a hailstorm.

 

Myth: I only have 1 year to file my insurance claim.

Fact: Many insurance companies do have a one-year time limit and some even less, however due to the nature of hail damage
they may pay claims past the deadline. This usually happens if a hailstorm is widespread geographically.

 

Myth: My roof is new so it’s covered by the manufacturer’s warranty, home builder, or contractor.

Fact: Manufacturer’s specifically name hail as an exclusion to their product warranty, so do home builders and roofing contractors. Newer roofs can actually be more susceptible to hail damage versus older roofs due to the time it takes a new roof to cure from exposure to the elements.

 

Myth: I was told my roof has minimal or very little damage and therefore I don’t need to file a claim.

Fact: If your roof has any damage whatsoever you have a valid insurance claim and should file with your insurance company. Damage might not cause your roof to leak for years. This is why it’s important to have a qualified person inspect your roof.

 

Myth: My insurance company will cancel my policy if I file a claim.

Fact: Most states prohibit insurance companies from cancelling policies for filing claims arising from severe weather related events. Check with your state however and your policy language as well.

 

Myth: If I don’t file my claim, my insurance company won’t raise my rates.

Fact: After a disaster, insurance companies may raise every one’s rates. By not filing your claim, your personal rate increase is paying for every one else’s damage except yours.

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