Haslet, Texas and the surrounding areas experienced their first hailstorm of 2019. According to StormerSite.com, hailstones as large as 1.25 inches in diameter were reported in Haslet & Roanoke. Hailstones this size can cause severe damage to your roof and you should immediately contact a roofing professional to inspect your roof for damage. At S.W.A.T. Roofing & Contracting, we provide FREE roof inspections and emergency repair services. Depending on the amount of damage, your insurance may cover the cost of repairs.
Insurance Coverage for Hail or Storm Damage
Storm damage, particularly from hailstones, is considered a natural disaster (also called acts of God) and in most cases, will be covered by your insurance. Other variables, like the age of your roof, level of maintenance over the years, and the policy itself, can determine whether or not repairs are covered. For example, if your roof is relatively new and it sustained damage due to a strong wind or hail storm, the insurance company may very likely pay for a full roof replacement. However, if your roof is over two decades old, your roof may not be fully covered by your insurance policy.
Filing an Insurance Claim
When filing an insurance claim, it’s important to follow these steps:
- Call the customer service department of your insurance company to determine your policy coverage. Do you have a deductible, and if so, how much is it? Does your policy cover repairs or a full roof replacement? Aside from the deductible, are there any other out of pocket expenses that may occur?
- Schedule an inspection with a licensed roofing contractor to inspect the damage.
- Take as many photos as you can to support your claim.
- Once your claim is approved, you can move forward with repairs.
Unfortunately, it’s not always as easy as following a few simple steps. Insurance companies tend to find ways to limit their exposure. They want to pay as little as possible. For instance, when the insurance claims examiner comes to inspect your roof, you should have an independent roofing contractor by your side to ensure that you won’t agree to terms that would be unfavorable to you. Also, the insurance company may recommend just fixing the roof when a total replacement should be the only option. You would have no way of knowing that if you don’t have a contractor by your side giving you advice.
HOW S.W.A.T. ROOFING CAN HELP YOU
As a locally owned and operated roofing company in the heart of Haslet/Fort Worth, we know full well how badly hail storms can damage your roof. We’ve been in business long enough to know that what may seem like a small leak is actually a symptom of a major problem. Our company offers professional and experienced insurance claims assistance. We’ll use our team of independent, licensed insurance adjusters to inspect the damage to your roof. We’ll take all the necessary photos to prove your claim. Once an inspection has been scheduled by the insurance company, we’ll meet the adjuster at your home and go through the entire inspection process with them. We’ll make sure you get a fair and honest assessment. Give us a call today and we can answer any questions you may have about scheduling an inspection, or about the insurance claims process.