YOU ASK:

Does house insurance include hail damage?

WE ANSWER:

Yes, hail damage is covered by homeowners insurance. In fact, hail damage is one of the most common homeowners insurance claims.

Before you make any claims, you first need to inspect if there is indeed damage sustained by your roof. Indications of such would be granules of shingles that have fallen. A hail storm that is strong enough to do damage to nearby foliage, cars and fences will also damage your roof. If you suspect damage, you should have the roof physically inspected by a professional. You can ask a hail damage specialist to look at your roof - there are some who will be glad to come and give you an estimate.

Note the date and if you can, take a photo of the size of the hail that fell that day. If you can, you should also take photos or a video of the damage before any repair or cleaning up is done. It can help to tell your insurance company that you already had the roof checked and that the roofing company recommended repairs or replacement of the roof. The insurance company will also send their insurance adjuster to check on the roof and assess the damage.

If you also incurred expenses with respect to the hail damage, you can also include the receipts of these with your claim. You should also make sure to list down any appliances, furniture or property inside your home that was damaged along with the roof.

The insurance adjuster will make a recommendation on whether the roof warrants repairs or a full replacement. He will also provide an estimate. You can also show the insurance company a quote from your contractor, outlining the costs of the work to be done on your roof.

When the insurance company sends you the check, you should be sure to have the roof fixed by the time provided. Usually, the insurance company will expect you to have the roof done within 180 days from the date the check is given to you.

If you are having a contractor work on your roof, be sure that they have liability insurance and workers compensation insurance. In case something happens and your contractor does not have these coverages, they may count you liable.

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