After a hail storm, visually inspecting your roof tends to be the first step. However, roof hail damage can be hard to spot—but as a homeowner, it’s something you have to consider after a bad thunderstorm. In this article, we’ll walk you through the insurance claim process. Then, we’ll explain how to hire a roofing contractor to fix the damage.
5 Steps to Filing a Roof Hail Damage Insurance Claim
When you notice damage to your roof from hail, you’ll want to take action as soon as possible. Whether it’s minimal cosmetic damage or more serious damage that lends your home to be vulnerable to roof leaks, filing an insurance claim is preferred. But, how? Here are 5 steps for how to file an insurance claim for your roof hail damage.
1. Locate your homeowner’s insurance policy.
Before you do anything, locate your homeowner’s insurance policy. You should have this somewhere safe. If you can’t find the documentation, you can reach out to your insurance agent to request a copy before filing a claim. Once you have the documents to review, make a note of your insurance policy number and deductible—you’ll need these later.
2. Take notes and photos of the damage.
Next, take time to visually inspect the area. Take photos of any damage and make note of what needs to be repaired. Write down the exact time of the storm and what type of storm occurred. Please note that climbing up on the roof to inspect is dangerous—we do not condone you inspecting on your own without proper safety gear and experience. Always practice safety first.
3. Have a roofer or home restoration company in mind.
Think you need help determine whether you have hail damage on your roof? Contact a reputable, local roofing company in Colorado to learn more about how their roof inspection process works. You’ll also want to ask about roof repair pricing and experience. If you have a roofer in mind first, you will be less likely to be forced into an agreement with a roofer chosen by the insurance company.
4. Call your homeowner’s insurance claim number to report.
Once you know what happened, how it happened, and what you’re going to do to fix it, call your insurance company. Just don’t wait too long to report. Some insurance companies may take issue with your claim if it’s not reported in a timely manner. During this call, you’ll want have the following information readily available: your insurance policy number, the date and time of the storm, the size of the hail size (if you were able to salvage a piece), and photos or videos evidence of the damage.
5. Schedule a time for the claims adjuster to inspect.
After the initial phone call to report, you’ll speak with the claim examiner. This person will schedule a time for the claims adjuster to inspect your roof. Sending along photos and videos taken at the time of the storm to the claim examiner can also be beneficial to your case. These individuals will works to find evidence and prove authenticity to better support your claim. Once the claims adjuster takes over, an official roof inspection will be conducted and they will prepare a repair estimate for you to review.
Choose 970 Services: Roof Replacement & Home Restoration in Northern Colorado
At 970 Services, we understand your family’s situation and aim to make it right every step of the way. Has your roof experienced hail damage? Have shingles disappeared after a late-summer hurricane? We are the #1 roof replacement and restoration company in Loveland. For an up-to-date quote, contact our team by phone at (970) 888-0970 or online here.
We also offer roof repair, roof replacement, and home restoration service in the following areas: Fort Collins, Loveland, Ault, Greeley, Denver, Windsor, Boulder, Longmont, and throughout Northern Colorado.