STORM DAMAGE CHECKLIST FOR HOMEOWNERS
If your home has been affected by the recent hail storm, your insurance is there to cover you. There are many things that can affect the outcome of your roof insurance claim. Hire a local roofing contractor to help maximize your hail damage roof claim and help you through the roof insurance claim process. Often times after a storm insurance companies will hire third party out-of-state adjusters to assist and are not acquainted with local city code requirement.
Here is a checklist that explains the hail damage roof insurance claim process.
STEP 1: Assess the damage
• Check trees, shrubs, and plants around your house. If they are stripped of their foliage, there is a possibility that your roof may have sustained hail damage. You should also check for roof damage if patio covers, screens, or soft aluminum roof vents are dented.
• Check for windows, sashes, and siding for hail damage.
• Check gutters and ground for loose asphalt granules from the roof. Loose granules is a sign of hail damage on the roof.
STEP 2: Protect your property from further storm damage
• If you find signs that hail has battered your property, take immediate steps to protect it from further damage.
• Cover any broken windows and holes in your roof so that no water can enter and damage your home’s interior.
• If roof damage is extensive, i.e. tree branch through the roof, call CIG Construction for an emergency temporary repair.
STEP 3: File your claim
• Call your agent or insurance company as soon as you notice storm damage. Almost all homeowners policies cover hail damage. Your car will also be covered if you purchased comprehensive coverage.
• If your agent or company requests you to do so, follow up your call with a written explanation of what happened.
• Save receipts for any temporary repairs and submit them to your insurance company for reimbursement.
• Call CIG Construction for a free inspection of your property. We will assist in documenting damage for your claim. In many cases we will meet with your insurance adjuster to ensure all necessary repair items are requested ensuring proper repair of your home. Often times after a storm insurance companies will hire third party out-of-state adjusters to assist and are not acquainted with local city code requirement. We will be there to advocate and ensure no repair items are missed. Call us today for a free inspection (888)667-8676.
STEP 4: Select a roofing contractor
• After you have surveyed the hail damage to your property, select a reputable roofing contractor to make repairs.
• Be wary of out-of-town roofers who move into an area and set-up shop following a hail storm. While most of these firms are reputable, some have collected money from homeowners and moved on to the next storm site without paying suppliers or leaving work unfinished. This can leave homeowners holding the bag for those additional costs. It’s a good idea to select a roofing contractor with established credibility and local references. Word of mouth is still your best guide.
• Be sure the roofing contractor has workers compensation and liability insurance. If not, you may be held liable if one of the workers is injured or if they damage a neighbor’s property.
• Don’t make final payment to the roofing contractor until your roof has been inspected and you are satisfied.
You can be confident that CIG Construction is the right roofing contractor for you. We take great pride in the quality of our work. We are committed to finishing a job on schedule, making the work area safe for homeowners and our team, and keeping the costs down. We specialize in weather-related damage repair and replacement, including roofing, windows, siding, gutters, and painting. If you would like additional information on repairing or restoring your home exterior or want a better understanding of how we can best meet your needs, contact us today.
STEP 5: Use hail resistant roofing materials
• When building a new home or replacing your roof consider using hail-resistant roofing products. The insurance industry has an Underwriters Laboratory standard ranking, the UL 2218 standard. The standard has four impact-level designations that will help you compare products. Roof coverings that show the most resistance earn a Class 4 rating; the least, a Class 1 rating.