Hail Claim Deadline Explained

After a hail storm, almost every insurance carrier will require you to have a contractor inspect your roof for hail.Timely Reporting is a duty you owe the insurance company as a policyholder under your ‘Rights and Responsibilities’.  Most insurance carriers require a hail claim be turned in within 1 year from the date of the storm.

Moreover, many insurance carriers give you 1 year from the date of the storm to complete repairs.  Under those circumstances, If you don’t, then you forfeit your recoverable depreciation.  Read more about depreciation here.

That is to say, with strict timelines for coverage, it is important that you turn in a hail claim on your property in a timely fashion.

HOW TO KNOW IF YOU HAVE ROOF DAMAGE

After a hail storm, almost every insurance carrier will ask you to have a contractor inspect your roof for hail.  They won’t just open a claim and send out an adjuster. – this is a good thing.

It’s good because you don’t want non-payable claims on your claims history.  It also ensures that adjusters are utilized in the most effective manner to keep premiums lower.

GET A FREE INSPECTION

We provide FREE roof inspections year-round.  To emphasize, we are the only company with a past insurance adjuster and the only company with HAAG credentials.  As a past insurance adjuster, I can usually tell you exactly what your specific insurance company will pay for.  Some companies are stricter with damage thresholds than others.

DON’T LEAVE MONEY ON THE TABLE

I can also ensure that ALL the covered damage is paid for.  In a 3 month time-frame, we secured an additional $62,155 for homeowners on their claims.  Those expenses would have been out-of-pocket if they hadn’t been successfully added to the claims damage payable.

Give us a call today for a FREE roof inspection.

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This blog is NOT legal advice.  It is not insurance policy advice.  You should consult and attorney and/or a licensed insurance agent for your specific situation.