Hail damage to the roof is hard to see most of the time. This is because actual indentations or holes in the roof are difficult to spot. However, roof damage from hail can significantly shorten its lifespan. Hail has the potential of damaging the roof even without visible signs on the ground surface. Because damages are not quick to show up, it is easy to overlook them while they damage the structural integrity of shingles. Small-sized hails particularly when they are driven by strong winds and last for several minutes, can cause serious damage to roofs.
Homeowners insurance is unique in that people are not penalized for filing claims. However, rate increases are determined by a person’s geological location. This means that if you reside in an area that has previously sustained serious storm damage, insurance rates automatically increase regardless of whether you file a claim or not.
Most adjusters assess properties damaged by hail during working hours. There is a high probability that you will not be at home and that is why it is advisable to hire a professional to represent your interests in the course of the inspection.
The adjuster will normally inspect the roof as well as the home’s exterior for any visible signs of hail damage. They will measure a test square i.e. 10’ X 10’ on various sections of the roof. Insurance companies will only pay claims when the adjuster can successfully find a sufficient quantity of breaks or bruises for every test square that is measured out.
It should be noted that you are legally entitled to have a re-inspection conductor by another adjuster from the same firm if you feel the first adjuster missed the damage. Therefore, do not settle if you are unsatisfied by the outcome of your roof damage insurance claim.
Discrepancies are likely to occur when the extent of damage assessed by the contractor and adjuster are varying, regardless of whether it is for siding, gutters, the roof, interior damage or exterior damage. Adjusters frequently miss interior damages that are difficult to spot.
It is for this reason that it is a good idea to have a contractor of choice be your representative while the adjustment process is ongoing to expedite settlement of the insurance claim. Get a good contractor who can work with the adjuster in establishing the extent of damage, clarifying the pricing as well to offer repair prices that will be agreeable to the company.
Adjusters will normally estimate the damaged property and send the client a check for the actual cost value (ACV). It represents the actual cost of replacing or repairing the damaged roof. However, the amount does not include depreciation.
When the repair or replacement work is completed, another check will be sent by the insurance company. This check will be for recoverable depreciation amount but only if the expenses in total are either equal to the total settlement or greater than it. Most homeowners fail to receive this depreciation amount due to a lack of understanding of the process.
The following insightful information clearly outlines what you need to know about roof damage insurance claims from hail.
Contact Prosperity Public Adjusters today for a comprehensive consultation (561) 452-6332