Well Spring is about to officially arrive and that can only mean one thing-Spring storms are coming! And Spring storms generally mean hail. Hail falling from the sky is a powerful force. It can cause a lot of damage to your roof and cars. In the first few days following a powerful storm that left behind hail damage, you are going to be pretty stressed. You will want to make the best decisions possible during this hectic time. If there is extensive damage to your roof, you might be worried about keeping your home safe from further damage. Here are some things to do immediately following hail damage to your roof.
Read Your Insurance Policy
This is the time to get out your insurance policy and begin to read the fine print. Your policy should give you an idea of the amount of damages the insurance company will cover to your roof. It might also outline reasons that they will not cover your roof like a leak. All of this is important to know as you start the process of getting your roof repaired.
Assessing the Damage
You need to get an idea of the extent of the damage. You should avoid bringing out a ladder and trying to assess the damage yourself. There are many nuances you might not be aware of, and you might injure yourself in the process. Your best course of action is to hire a roofing contractor to come out and assess the damage for you. In Texas, the person who performs the adjustment cannot act as your contractor according to H.B. No. 1183, so you will need to pay for the report. However, this is the best way for you to get an idea of what needs to be done and the costs.
Weighing Your Options
Roofs do need to be replaced from time to time. Of course, the lifespan of your roof depends on the material it is made from. When your roof has been damaged by hail during a storm, you might consider going ahead and replacing the roof. You might be able to apply any insurance settlement towards the cost of a new roof.
If your home’s roof has been damaged by hail during a storm, you need to make the best decisions possible in the first few days. At the Timmons Consulting Group, we are dedicated to being your advocate during the insurance claim process. If you have any questions about getting the most from your insurance coverage, contact us for an appointment.