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Jul 14, 2017
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Dos & Don’ts of Homeowners Hail Damage Insurance Claims

Thankfully, most of us don’t often have to deal with filing a homeowner’s insurance claim due to storm damage.  However, the consequence of this is that when the need arises, the learning curve can be steep.  Having been in business over 40 years, we’ve helped countless homeowners with such claims and we’ve seen firsthand the consequences of failing to act appropriately after a hailstorm.  Because life’s too short to make all of the mistakes yourself, allow us to share the do’s and don’ts of homeowners hail insurance claims.storm

Contact Your Insurance Company & Reputable Contractor

DO contact both your insurance company and a reputable contractor as soon as possible after the damage occurs.  This holds true especially if a large geographical area was affected as most contractors and insurance companies operate on a first come, first serve basis.  In the Midwest, where winter affects the ability to safely install a roof, this can mean the difference between getting your roof installed in the fall or the following spring.

DO arrange a time for you, your spouse, a reputable contractor and the insurance adjuster to meet to discuss the claim.  In cases where large geographical areas are affected, some insurance companies bring in adjusters from out of state.  It’s a lot easier for a contractor to voice any concerns, like the effect of hail on your home, with the adjuster’s findings face to face than it is to do so via phone after they’ve returned to their home office in another part of the country.storm damage roof

Understanding Your Home Insurance Policy

DO keep a copy of your homeowner’s insurance policy and carefully consider the coverage you need before purchasing.  Should you need to file a hail damage roof insurance claim, have the policy handy so that you understand what you are entitled to in terms of compensation.

Get The Facts On Your Roof Warranty

DO know that the manufacturer’s warranty on items such as gutters, roofing, and siding are typically voided if you experience hail damage and do not have the affected portions of your home repaired or replaced.

storm damage

Avoid Storm Chasing Contractors

DO NOT sign with the first company that comes knocking at your door offering to assist you.  Once massive damage occurs, storm chasing contractors from all over the country set their GPS systems for the affected area and start going door to door trying to sign as much business as quickly as they can by promising potential customers the world.  Oftentimes, they disappear before work has been finalized or perform subpar work that may not be evident until a couple years down the road when you have no way of contacting them again…if they are even still in business.  Learn how to identify the signs a contractor may be a storm chaser.

Review Adjuster & Contractor Estimates on Hail Damage Insurance Claims

DO NOT accept the insurance adjuster’s initial offer if it does not fully encompass the scope of work that a contractor informed you needs to be performed  or properly compensates for premium improvements you have made to your home.  If the insurance adjuster’s amounts do not correlate with the improvements that need to be made, you have the right to hire an independent adjuster and submit their findings to your insurance company and ask for a new payout amount.  If these efforts do not produce results, you have the option to hire an attorney or contact your state’s insurance commissioner’s office to file a dispute with them.

hail to roof

Properly Vet Contractors

DO NOT feel forced to use a contractor referred to you by the insurance company.  Oftentimes, their motivation is to complete the work as cheaply as possible, slightly the homeowner through subpar materials and shortcuts.  Hiring your own contractor means that their incentive is to satisfy you over your insurance company.  Use these tips to find a roofing contractor to help with your hail damage roof insurance claim.

Get a Behind the Scenes Look at Storm Damage Repair Completed by our Team:

Helping You Navigate Storm Damage Repairs:

At Lindus Construction, all of our estimators go through extensive training and possess the knowledge to identify storm damage to your home. This is one of the many reasons why we receive excellent reviews.  We are able to help you work with your insurance company to get your home restored as soon as possible  Our full service construction company is ready to help you with your storm damage and hail insurance claim needs.

If your home has recently been hit by hail, review this hail damage inspection checklist to help you figure out exactly what to do after a storm.

Browse Our Storm Restoration Projects:

Storm Damage Repair & Restoration Reviews:

The installation went smoothly. The supervisor suggested some additional drainage maneuvers for spots with heavy fall off and I appreciated that. We got replacement after hail damage."

Linda B.
Farmington, MN
March 5, 2024

"We replaced old gutters due to hail damage. The crew was friendly, efficient and cleaned up well when they were done."

Ron D.
New Hope, MN
February 19, 2024

"I had very positive experience with Lindus Construction. They showed up a day earlier than scheduled to replace my LeafGuard® Gutters which were damaged during last summer's hail storm.  The clean-up and removal of the old gutters was exceptional.   I thank Lindus for the extra effort and the professionalism they exhibited to complete the project."

Howard K.
Roberts, WI
February 13, 2024

"The work done on my house looks great. Very happy with the final product. Done on time and at the agreed amount. Lindus also worked well with my insurance."

Bob B.
White Bear Lake, MN
February 7, 2024

"They did my shingles and gutters. They were fantastic.  My gutters had hail damage, so they replaced them. They were here and gone.  GREAT job guys!"

Karen A.
River Falls, WI
January 12, 2024

"Lindus Construction was quick to respond to our need for repair of our gutters after a hail storm. The crew that showed up was courteous and professional. They completed the work to my complete satisfaction."

Barry S.
Rice Lake, WI
December 4, 2023
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