HELPING YOU WITH YOUR CLAIM
Hate dealing with insurance claims? Doesn’t everybody! We can assist you during this process for FREE – and do all the work for your insurance company’s quoted price – GUARANTEED!
The way you handle your insurance claim really makes a difference! A well-handled insurance claim for hail damage should be a worry-free process. If it is not handled properly, a claim can be denied completely or the homeowner may end up paying thousands of dollars when it should have been covered by insurance. Hailbusters has assisted many homeowners during the hail damage insurance claim process. We want to see our clients handle their insurance claims as quickly, painlessly and comprehensively as possible.
- Free claims assistance
- Complimentary hail damage analysis so that you know if you should be filing a claim
- Guaranteed repair and replacement at your insurance company’s estimate
HAIL Damage FAQs
How does hail damage a roof?
Asphalt shingles have three components: a mat made from fiberglass or cardboard, an asphalt coating and a covering of granules. It is the asphalt that sheds the water. Shingles are designed so that the granules block the UV of the sun and protect the asphalt. If the asphalt is exposed to the UV, it quickly dries out and deteriorates, reducing the shingles’ life expectancy dramatically. More than anything else, hail causes and accelerates granule loss. This leads to the deterioration of the asphalt. Once the asphalt is compromised the shingles have come to the end of their useful life.
How do I know if I have hail damage to my roof? My roof looks fine! Could it still be damaged? Can I tell from the ground?
If you have had hail in your area, a close inspection of the shingles should be made from the roof by an experienced roof assessor to determine if the shingles have been damaged. Hail damage on a roof is often missed from a ground-level inspection.
Why would my insurance company replace my roof?
The purpose of homeowner’s insurance is to protect homeowners against losses in their property’s value due to damage that is beyond their control. If you have hail damage, you have experienced a financial loss. Depending on the terms of your insurance policy, your insurance company may compensate you for your loss.
Do I need to get my roof replaced right away?
Hail damage normally does not result in immediate leaks and roof failure. However, insurance companies allow hail claims to be filed only within a set period of time from when the damage occurred. If you miss this deadline, then you will be left paying the entire bill for your roof replacement on your own.
Do I have to pay Hailbusters for claims assistance?
No. We will assist you for free as you make your claim. This is a complimentary service we provide to our clients.
Should I call my insurance company before I call a roofing company?
It is often better not to call your insurance company until an experienced roof assessor has inspected your roof. We can make sure the roof appears to be eligible for a claim before you contact your insurance company. If there is damage, we will also be happy to meet with your insurance adjuster and go over the specifications of your claim.
What if Hailbusters’ quote is higher than the insurance company estimate?
We will consult with your adjuster to ensure that all pertinent items on your roof have been included and all measurements are correct. We guarantee to install your roof according to the insurance industry standard pricing.
My eaves trough and fascia were damaged in the storm. Can you help with this as well?
Yes. Most hail damage affects primarily your roofing materials, but we can assess any hail damage on your eaves trough and fascia as well, or any other exterior hail damage on your property.
When an insurance adjuster inspects my roof, how do I know if he understands roofs enough to recognize hail damage?
The best results for the homeowner are obtained when an experienced roof assessor inspects the roof first.
My insurance company denied my claim, so am I out of luck?
Not necessarily. You’re entitled to appeal the denial. In some cases, this leads to the adjustor eventually finding that you have legitimate hail damage and approving the claim. There are many different reasons that this can happen. Sometimes adjusters get to a roof before the full extent of the hail damage to the asphalt component of the shingles is apparent. Sometimes the adjusters are inexperienced. Sometimes they were tired after looking at so many roofs that day. Sometimes they just make mistakes. The best results for the homeowner are normally obtained when an experienced roof assessor assesses the hail damage on the roof and calls to the adjustor’s attention any hail damage that he sees.
Will my insurance company cancel my policy if I file an insurance claim?
No, insurance companies may not punish a homeowner for Acts of God. If your roof has hail damage and it is covered under your policy, you should open a claim.
Will my insurance company raise my premiums if I file an insurance claim?
Insurance companies are not allowed to raise an individual homeowner’s premiums just because that homeowner opened a claim. However, some insurance companies offer a “Claims-free discount” to discourage homeowners from opening a claim. This discount is negligible compared to the value of a roof replacement. However, by assessing the roof first to determine if a claim may be justified or not, we help homeowners make an informed decision about opening a claim.
If I do not file my claim, will my insurance company raise my rates?
After a hail storm, insurance companies may raise everyone’s rates. If this happens and you don’t open a claim, then you are paying for everyone else’s damage except yours.
How is the price of my roof replacement determined?
Different roofing companies have different ways of quoting. Some use job cost analysis. Some focus on what they feel the market will bear. And some just pull a number out of the air and gauge the response. At Hailbusters we use a nationwide estimating service subscribed to by most insurance companies to help them verify that their subcontractors are pricing fairly on any given project. In fact, many insurers prefer not to deal with roofers who do not use this estimating service.