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Navigating the Insurance Claims Process after a Hail Storm

The coming of spring brings many things that homeowners can be grateful for. Unfortunately, hail storms are not one of them. Each year, thousands of homes in Pennsylvania have their roofing damaged by those softball-sized balls of ice that fall from the sky at speeds up to 110 mph.

While it might be obvious to a homeowner that their siding, fence, or deck have been damaged by hail, the damage to their shingles is less obvious. In part, this is because shingle manufacturers have designed their products to withstand a certain amount of inclement weather. The only way to really know if a roofing surface has been damaged by hail is to inspect it up close and that means getting on the roof, something many people are not comfortable doing.

A licensed contractor can help you assess any possible damage to your roof. Heller’s Building and Remodeling, a roofing contractor in Collegeville, has experience helping homeowners decide what they need to do if they suspect there roof has hail damage. Owner Ed Heller says, “Requesting a free inspection is the first place to start. A professional roofing expert will understand the difference between hail damage and normal wear and tear.”

Depending on your homeowner’s insurance policy, you may want to consider filing a claim to have any hail damage repaired. Many factors can affect this decision such as the type of policy you have, the amount of your deductible, and the extent of the damage. Whether or not you file a claim is your decision, but once you do, it can be helpful to have an experienced Collegeville siding and roofing contractor to work alongside you during the claims process.

Depending on your homeowner’s insurance company, the claims process may be a little different. Typically though, the insurance company will assign an adjuster who will come out to inspect your property for hail damage. A competent adjuster will not limit their inspection to just your roof though. They will also look at the siding, window screens, window sills, fences, decks, sheds, and other items that were in the path of the hail storm. All of these items together will paint a picture of how the hail may have damaged the roof. It is quite common for the homeowner to have their contractor present during the inspection to discuss the damage with the adjuster and make sure nothing is overlooked.

In the best cases, the adjuster will review their findings with you and then send you their estimate and a check to cover your repairs, less your deductible. Once you have settled your claim with your insurance company and signed a contract with a licensed contractor, the repairs can begin. Choosing a company that is responsive and easy to work with will make the whole process go more smoothly.

A benefit to having your roofing or siding replaced after a hail storm is the opportunity to upgrade these parts of your house to a higher quality material. You may also use this as an opportunity to complete those home additions you have been dreaming about. After all, if the roofing and siding are already coming off, why not add a new room or deck before you put them back on?

If you suspect there is hail damage to your home, contact Heller’s Building and Remodeling, bathroom and kitchen remodeling in Bucks County for a free consultation.