And realize that if your roof isn’t leaking… it still is likely damaged and may leak soon… while the repair or replacement may not be an immediate emergency, it can become one very quickly.   

First… some of the most important things to understand About Hail Damage And The Claims Process:

• Hail damage may not be visible from the ground (unless you live in a neighborhood where the hail broke through the plywood decking or broke out skylights). You’ll need a professional inspection to find out if your home is damaged.

• Your insurance company should pay for everything, but there’s a time limit on the claims process. If you miss the deadline, you’re stuck with an old roof the minute time expires.

• Most homes can be reroofed in 1 to 2 days. 

• Make sure you understand how you will pay your deductible before you sign with anyone.  There are a few things your should know about insurance fraud.

• The paperwork you receive from your insurance company includes an estimate for roof repairs. If your check isn’t big enough to get your roof replaced, don’t worry because it is only an estimate – not a final insurance settlement.

• Insurance companies cannot cancel your policy or raise your rates for weather related claims. However, when you’re involved in a catastrophe, your insurance company may raise rates on everyone impacted in order to stay in business or change some business practices… remember insurance companies are businesses and need to remain profitable.