Hail is one of the most common causes of roof damage. Luckily for most homeowners it is covered by most homeowner’s insurance policies. If you were one of the many homeowners who have a hail damage insurance claim but aren’t sure how to proceed, we have some expert advice from our experienced roofers.
Tip #1 – Don’t Wait
Most insurance companies writing policies in Tennessee give you one year to file your hail damage insurance claim. However, the longer you wait, the less likely your adjustor is to see the damage as just hail damage. This is because the damage the hail does to the shingle can weaken the shingle which leads to its breaking down more quickly and the evidence of the hail damage may disappear.
Tip #2 – You Don’t Have to Accept Their Evaluation
If you believe you have hail damage but your adjustor denies your claim, contact an experienced roofer. They can look at your roof and let you know what they see. If they agree with you that the damage is the result of a storm, they will offer to meet with your adjustor and discuss their findings. If the adjustor still doesn’t see it as you and your roofer do, you can ask to escalate your claim.
Tip #3 – Use Your Own Roofer to Replace Your Roof
Although some hail damage insurance claims will only cover a roof repair, most include a roof replacement. Either way, you should use your own trusted roofing company. In Tennessee you have the right to use any roofer you want to use and, as long as they are insurance and licensed, your insurance company must accept them as your roofing company of choice.
We Accept All Insurance Claims
Because we’re a roofing and renovation company, we can handle all aspects of your hail damage insurance claim including replacing siding and gutters. Our teams are locally based in both the Nashville and Knoxville areas and we’re highly rated by the Better Business Bureau. Call us today for your free estimate at either (615) 645-4500 or (865) 248-2772.