1. HAVE A PROFESSIONAL ROOFER INSPECT THE ROOF FOR HAIL DAMAGE.
A quality roofer will give you an honest assessment of whether you have a reasonable claim to file. If the hail damage is minimal, you should NOT file a claim in order to keep a claim off your record. Most insurance companies base your rates off of the number of claims you have filed. Click for information on how to hire a professional roofer.
2. FILE A CLAIM WITH YOUR INSURANCE CARRIER IF THE HAIL DAMAGE IS SIGNIFICANT.
First thing’s first, you will need your policy number. They will supply you with a claim number as well as an appointment for the claims adjuster to assess your shingle or metal roof hail damage.
3. ADVISE YOUR ROOFER OF THE ADJUSTER APPOINTMENT.
Your roofer should meet the adjuster at the meeting. The insurance company has a vested interest in minimizing the claim pay-out. The roofer has a vested interest in getting ALL storm damage covered because it allows us the financial resources to install a truly exceptional roof for the homeowner.
4. UNDERSTAND THAT YOU ARE IN CONTROL OF THE SITUATION.
Even though our roofer is involved at this stage, all proceeds from the insurance company will flow through your hands, leaving you in charge of the money. If work doesn't get done, you don't pay for it.
5. YOU WILL RECEIVE A LOSS SUMMARY, AND TYPICALLY, A PARTIAL PAYMENT OF THE CLAIM.
If you have a mortgage on your home, the check should have your name and the mortgage company listed as the payees. Once the work is complete, the roofer will invoice your insurance carrier for work completed. After receiving the invoice, the insurance company will issue a check for any supplements and the recoverable accumulated depreciation. Work not completed should be itemized on the invoice.
6. ONCE YOU HAVE THE LOSS SUMMARY (CLAIM REPORT) FROM THE INSURANCE COMPANY DETAILING THE HAIL DAMAGE, SEND AN UNALTERED COPY TO YOUR ROOFER FOR REVIEW.
To avoid insurance fraud, the roofer needs to complete each line item shown for the price shown by the insurance company. Now is the time to discuss whether all repairs will be made and to discuss options like shingle style, shingle color, gutter colors, etc.
7. UNDERSTAND THAT YOU WILL HAVE TO PAY YOUR DEDUCTIBLE.
The hail damage roof repair cost will be covered by your insurance company, but you’ll still have to pay your deductible. This means that you will write a check out of your personal funds to H3 Roofing equal to your deductible. Usually if this step is skipped, you and your roofer have committed a felony and our goal is always to avoid that!
8. INSTALL YOUR ROOF.
This is the point where the work gets done on your home. If there is as a lot of work besides the roof, this can require some time to complete, especially after a storm when all our subcontractors are busy. H3 Roofing will coordinate all of this work. It will typically follow the roof replacement.
CONTACT OUR TEAM TODAY FOR HAIL DAMAGE ROOF REPAIR IN AUSTIN AND SURROUNDING AREAS
The next time you're in need of a well-experienced roofing contractor, contact H3 ROOFING at (512) 975-1003
