FAQs

Q: My home was hit by hail, but I don’t see any damage. What should I do?

A: It can be difficult to identify signs of hail damage. Rely on a trained professional to perform a full property inspection and look for leaks, flooding, structural damage and serious issues.

Q: If I file a storm damage claim, will my premiums go up?

A: Most states prohibit insurance companies canceling your coverage or singling you out for a rate increase due to an Act of God damage claim, which includes hail, wind, tornado and hurricane storm damage claims.

Q: Can storm damage impact the value of my home?

A: Yes. If you plan to sell your home in the future, it is critical to address storm damage issues immediately. Many homeowners are shocked to learn they have costly storm damage to fix, years after the time to file an insurance claim has expired.

Q: What are the risks of not fixing a hail damaged roof?

A: The most common problems associated with hail damage are leaking water and flooding. Over time, water leaks through tiny holes in your roof and causes serious issues including water damage, mold and structural damage, including roof collapse.

Q: Do I need to get my roof replaced right away?

A: The devastating nature of hail damage is you might not start experiencing problems, such as leaking, mold, or structural damage right away. But, because most insurance companies limit the time you can file a claim, it is important to get your roof fixed immediately, before your time to file a claim expires.

Q: Why would my insurance company pay to fix my home?

A: The purpose of your homeowners insurance is to protect your home against losses that affect the value, functionality and safety of your home. If your home has sustained storm damage, your insurance company will provide compensation to have your property restored to its original condition before the storm.

Q: My roof has sustained storm damage. Can I just fix it myself?

A: If your home has been damaged by a storm and you are filing an insurance claim to pay for the repairs, there is no advantage to doing the work yourself. Hire a reputable contractor, with insurance claims experience that is committed to quality workmanship.

Q: Should I hire the cheapest contractor to fix my home?

A: If your insurance company is paying for your repairs, it is in your best interest to hire a contractor who will provide quality service, workmanship, materials and a good warranty.