Hail Damage-Separating Fact from Fiction

Roof Inspections

Fiction: If I can’t see indentations on my roof, there’s no need to have my roof inspected because there clearly is no damage.

Fact: It is a good idea to work with a reputable professional to evaluate whether your roof has been compromised.  Some effects of hail are not immediately evident; a roof can be weakened by hail, but not fail for a year or two.  Hail can void your roofing manufacturer’s warranty, another reason it’s important to have your roof evaluated if you suspect hail damage.

Insurance Claims

Fiction: Foregoing an insurance claim on hail damage means that your rates won’t go up.

Fact: Insurance companies can raise everyone’s rates after a disaster.  The only thing that you are by not failing to file a claim is that you’re helping everyone else pay for their damage without getting the assistance you need.

Manufacturer Warranty

Fiction: I just had a new roof installed; I don’t have to file an insurance claim because the manufacturer has a 50 year warranty.

Fact: Roofing manufacturers will cover against things they can control, such as manufacturing defects, but they cannot warranty against Mother Nature.

Resale Value

Fiction: If visual damage from hail is not evident, the resale value of my home is unaffected.

Fact: Upon placing your home on the market, a potential buyer will likely utilize the services of a home inspector who will carefully evaluate your property.  It’s highly likely that they will find evidence of the hail damage and you’ll be forced to either replace the roof or dramatically lower the sale price if you wish to keep the sale intact.

Paying for Deductible

Fiction: I can get a new roof for free if the contractor offers to pay my deductible for free.

Fact: Anyone who offers to do this in the state of Minnesota is breaking the law.

Here’s What You Need to Know About Storm Damage Restoration:

Roof Inspections

Fiction: I have a year to file a claim after the damage has occurred.

Fact: This varies from company to company.  Some are less and others will go over the year mark, especially if a large geographical area was affected.

Fiction: My neighbors were able to get a hail damage claim approved on their property.  Mine should be a no-brainer.

Fact: Hail damage is sporadic and each property needs to be evaluated individually.  Policies and insurance companies can also vary.

For more information about our storm and hail damage restoration services, contact us today. Our team of professionals is ready to serve you.