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Colorado is one of the states with the most hailstorms in the United States. These ice pellets often crack, break, puncture, or dent roofing material and gutters, leaving these systems vulnerable to leaks. While not always standard, many homeowners insurance policies cover hail damage. To make sure you are reimbursed, follow the steps below after one of these weather events affects your property.

A Guide to Filing Hail Damage Insurance Claims

1. Gather Documentation

While the storm is happening, make videos and notes indicating when it starts, how long it lasts, and when the hail begins falling. After the storm passes, take more videos, as well as pictures of the hail damage and the hailstones themselves before they melt. If possible, take photos of the stones next to tape measures or familiar objects to show how big they are. Don’t risk your safety by climbing onto your roof, though; just get the best photos possible from the ground.

All these documents will make it easier for the insurance company to verify your statements and process your claim.

hail damage

2. Get More Opinions 

Your insurance company will likely send over an adjuster to assess the damage. Since they work directly for your insurer, however, they may be more partial to protecting the company’s interests than yours and give you a low estimate for the repairs. 

To make sure you’re receiving a reliable assessment of the hail damage, get second or third opinions. Ask a roofing company to send out a contractor to examine the room or arrange for a visit from a certified public adjuster yourself. Get their opinions in writing and provide them to your insurer.

3. Look After Your Best Interest

By law, your insurance company is required to send an adjuster to your home within 15 days after you contact them. Once you agree on a settlement, they have to provide it to you four to five days later. They may also suggest who to do the work. However, you are legally able to choose your own contractor. Choose one with excellent reviews, a high rating from the Better Business Bureau®, and experience working with insurance companies on their clients' behalf. 

 

When you’ve filed your claim and need to resolve hail damage on your roof, contact A-Denver Roofing Company in Denver, CO. For more than 20 years, they’ve been installing, maintaining, repairing, and replacing roofs throughout their community, ensuring that they know how to work with insurance companies. As indicated by their A+ rating with the Better Business Bureau, they promise that your roof and gutters will soon be like new. Invite them over today by calling (303) 455-3185 or messaging them online. See why they have a 5-star rating on Google by reading reviews.

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