1CAN HAIL CAUSE SIGNIFICANT DAMAGE TO MY HOME?
Yes. A bad hailstorm can bring down pieces of hail the size of golf balls. When these are coupled with high winds, it’s very easy for your home to sustain damages.
2HOW CAN I TELL IF I HAVE HAIL DAMAGE?
After a hailstorm, it’s always a good idea to call for an inspection. FXPro can examine your shingles to see if they have been damaged by hail. It’s necessary to get up on top of the roof to really look for damage, as a ground-level view is going to leave you blind to most of your roof.
3HOW DOES HAIL DAMAGE OCCUR?
There are a couple of ways that hail can harm your roof. First, it can cause soft spots or bruising on the roof, and these are often not noticeable unless inspected by a professional. Second, hail often causes the granules on asphalt shingles to loosen up. Third, large hail chunks may even go through the shingles and leave the internal fibers exposed. A visual inspection will be needed to identify if hail damage has occurred. Dents and marks will be left behind, both on the roof and the roof vents. If the vents have damage, it’s most likely that the roof has sustained some type of damage as well.
4WILL MY INSURANCE COVER HAIL DAMAGE?
Situations like these are exactly what homeowners’ insurance is for. When hail damage affects your roof, you have experienced what’s considered a financial loss to your home. The point of homeowners’ insurance is to restore your home to its condition at the time of your initial investment, so that includes fixing roof damage. Depending on the damage, repairs or a full replacement should be covered.
5WILL AN INSURANCE ADJUSTER BE ABLE TO PROPERLY ASSESS THE DAMAGE?
Unfortunately, not all adjusters know exactly what to look for when it comes to hail damage. Even some roofers don’t have expertise in that area. That’s what sets FXPro Construction apart. We produce hail inspection reports to give to an adjuster with evidence to support your claim.
6WHAT DOES HAIL DAMAGE LOOK LIKE?
Besides seeing physical holes or dents, there are some other visual signs to look out for. Asphalt shingles will have a dark spot, similar to a bruise, where hail has hit. This is because granules have been removed, and sometimes the underlayment and fiberglass underneath are even exposed. The dark color is from weathering; new hail spots are shiny, as they are freshly exposed and the weather has not taken its toll yet.
7IS IT WORTH IT TO GATHER SEVERAL DIFFERENT BIDS?
With insurance covering the repairs or the replacement, you only need to make sure that a contractor is giving a bid that is equal to or less than your insurance company’s estimate. In most situations, you will only have to pay for the deductible on your insurance, so as long as the contractor doesn’t charge more than what your insurance company is covering, you have the ability to choose the contractor that you want.
8WILL I BE KICKED FROM MY INSURANCE FOR FILING A CLAIM?
You shouldn’t be. “Act of God” disasters are not grounds for insurance companies to cancel your coverage.
9WILL MY INSURANCE GO UP EVEN IF I DON’T FILE A CLAIM?
After disaster situations, insurers often raise everyone’s rates since it is likely that many have been affected in some way. So, if you do not file your own claim, you will very likely see a rate increase anyway, except you won’t have insurance to cover your repair or replacement costs.
10HOW LONG WILL EVERYTHING TAKE?
It’s very hard to pin down an accurate timeline until we have reviewed a situation in person. There are many different factors at play: calling insurance, working with an adjuster, receiving a hail inspection report, mortgage company endorsements, city permits, inspections, etc. It could take two to three months for everything to get sorted.
11HOW LONG WILL IT TAKE TO REPAIR OR REPLACE MY ROOF?
On average, it can take one or two days to complete a roofing project.
12IS THERE ANYTHING I CAN DO IF MY CLAIM HAS BEEN DENIED?
Yes. This is where you should contact FXPro Construction if you haven’t already. We work with adjusters and provide inspection services and detailed hail reports to fully demonstrate that your claims are valid, and to what extent the damage is. If hail damage has occurred, we’ll find it and help you make a supported case to the adjuster.
13I’VE BEEN TOLD I NEED A REPLACEMENT. IS THIS SOMETHING I NEED TO DO IMMEDIATELY?
While it may not seem like hail damage has affected your roof’s structural integrity, you may only have a limited period of time on your claim. Many insurance providers have a statute of limitations; if you don’t resolve the issues right away and further damage develops, the insurance company may no longer cover any of your damages and leave you to cover the costs alone.
14I HAVE A NEW ROOF. WILL HAIL DAMAGE BE COVERED BY THE MANUFACTURER’S WARRANTY?
No, instances like hail damage are typically excluded.
15WILL I RECEIVE MONEY FROM MY INSURANCE COMPANY THAT HAS BEEN HELD FOR DEPRECIATION?
Yes. This should be paid out by the time the project is finished.
16WHY DID MY INSURANCE PROVIDER WITHHOLD DEPRECIATION?
There are a couple of reasons this may have happened. First, the insurance company will sometimes do this because they want to make sure that you actually complete the work. It’s likely that, in the past, they provided other people with money upfront and those people spent the money on something besides the project. In other cases, the insurance company is probably ensuring that you pay your deductible in full. Their reasoning behind this is that if you are given the money upfront, you will go to a contractor willing to take on the project for that specific dollar amount. By withholding, the final payout amount may be adjusted according to the contractor’s bid, and so customers have to pay their deductible.