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Do I Need To Call Insurance Right After Hail Hits My Roof?

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When To Call Insurance After Hail Hits Your Home

 

Whether you saw it coming on the weather radar, or it woke you with a start in the middle of the night—the sound of hail pelting on your roof is reason for alarm.

As soon as you hear it, the question begs to be asked, when should you call a roofing company? Perhaps you are wondering if the damage done warrants an immediate action. Or maybe the thought of Googling “Roofing Companies in Kansas City”, and sorting through the many options is a bit overwhelming. We’re here to help.

 

First off, let’s answer the question, “Should I Call A Roofer After Hail Hits?”

If you are concerned that your roof may have immediate damage, such as:

  • Holes in a skylight
  • Holes in vents or roof
  • Or visible damage on the roof

Then yes–call a roofer! We recommend that you call a reputable, local roofing company right away. If you wait, you run the risk of further damage being done to your home. Your roof is a vital force of protection to your home. If it is compromised, then your home is vulnerable to water damage.

However, if there seems to be no immediate damage causing visible leaks, than you have a bit more time to go about this process. Most insurance companies allow a 12 month period for filing a claim of hail damage on your roof. Now, this is nice in that it gives you a bit more time. However, we do not recommend waiting the entire 12 months.

This is because some roof leaks can go unnoticed for a considerable amount of time, yet damage is still being done to your home. Although insurance allows this generous time frame for filing a claim, we still recommend that you call a reputable, local roofing company within the weeks following a hail strike.

 

On that note, let’s talk about what a “Reputable, local roofing company” looks like!

It is important to note that after hail hits your neighborhood, you are likely to hear some knocking on your door! “Storm Chasers”, are roofing companies that are operated from out-of-town, and follow hail storms throughout the country, looking for business from those affected.

Hiring an out-of-town storm chaser can be dangerous for several reasons, such as:

  • Out-of-town roofers are less readily available to manage your project
  • They may be unfamiliar with local regulations
  • They may not have proper licensing
  • They may try to “sell” you on promises that are actually illegal, such as “waiving your deductible”
  • You may not be able to view much of their prior work, or read many local referrals of the company (A local reputation is important!)
  • After the job is done, and they leave town, if issues arise, you may be up a creek

 

Trusting Local

When it comes to trusting a company with your home, it is best to stick local. Here’s what that looks like:

  • A local company will have an office based in or near your city
  • They will have 5 or more years of experience in your city
  • They will have a strong local reputation, with many projects completed in your area, and many local online reviews
  • They will hold (and be able to show) all local licensing
  • They will have extensive knowledge or your area’s regulations and requirements for your particular project

You can save yourself a lot of headache by choosing an established local roofing company. The good news is, if there are no immediate leaks or extensive damage to your home after hail, you can take some time in finding a reputable, local company.

Even if the damage is immediate, we recommend looking online for a well-established company serving your area over trusting your home to an out-of-towner standing on your doorstep.

 

For more information see:

How Long Do I Have After Hail Hits To File An Insurance Claim?

and

2 Terms You Need to Know When a Roofer Comes to Your Door

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