Does Homeowners Insurance cover hail Damage?
Hail damage can be frustrating for homeowners in the DFW area to experience. It is next to impossible to predict when hail will develop in your area. But the good news is that your homeowner’s insurance policy will cover hail storm damage roof replacement. That is, if you file your claim soon enough and that your roof is not too old.
How Old Is Your Roof?
The age of your roof is the first consideration to note. You may receive coverage for your roof if you have a spot that is less than ten years of age. You should receive coverage for the full value of your roof at this point.
While you may have coverage if your roof is older than ten years, you might not get all the coverage you wish. You may only get a reimbursement for the depreciated value of the roof. The cost may be much less than the total amount that you would regularly receive. You will have to notice the terms on your policy to identify what is happening with your surface and how space has developed.
Any Prior Damage?
A roofing inspector will analyze the quality of your roof before a claim is filed. The roof inspection will help with identifying any prior damage that came about from wear and tear. Any issues that are deemed to be caused by previous impacts or from the generally poor quality of the roof might not be covered by your homeowners’ insurance policy.
One way to resolve this concern is to take before and after photos of your roof. Attempt to produce pictures of your roof now so you have an idea of what the surface looks like before a hail storm could develop. The preventative work ensures you can prove damages.
Time Is Critical
Coverage for your roof may be possible if you file your homeowner’s insurance claim within enough time. You might not be able to get an hail damage insurance claim handled if you do not submit it within twelve months.
The timeframe for filing a claim will reset if another hail storm impacts your roof. Also, a hail inspection from a group like Town & Country Roofing is recommended to ensure you have an idea of how well the roof is functioning at a time.
What to Do Next?
Regardless of what happens with your policy claim, you should aim to get your repairs covered soon. Failing to repair your roof could cause hail damage to become worse over time.
Be sure you review the terms of your homeowners’ insurance policy to figure out coverage for any damages surrounding your property. You can with a licensed roofing contractor at Town & Country Roofing for help. We will work with your homeowners’ insurance terms depending on what they entail and when you reach us for help.