Most homeowners who have recent hail damage on their roofs can file an insurance claim and receive some compensation, yet far too many people fail to do this. Some of them don’t know they even have hail damage on their roofs, while others might not think it’s worth the time and money to have it fixed. However, the most significant reason why so many homeowners don’t file an insurance claim after a storm is because they simply wait too long to act. By the time they realize how severely their roofs have been damaged, it’s too late to receive any compensation from their insurance companies. They have to pay for the repairs out of their own pockets, which can get very expensive very quickly.
So, how long do people have to file an insurance claim for their roof after a hail storm? That really depends on your insurance, but most companies allow you up to a year to file a claim. Of course, that doesn’t mean that you should wait for several months before taking action. Your best bet is to file a claim as soon as you think your roof has sustained damage in a storm. The damage is still “fresh” at this time, which means it’s unlikely that anything else has caused any further damage. This will make it easier to prove that it was the hail that damaged your roof, and it will be much easier to repair the damage sooner rather than later.
How to Know You Have Hail Damage
Before you file a claim for your roof, it’s best to determine if you have hail damage in the first place. This will make it easier to file your claim and make any necessary repairs. If you’ve experienced a particularly severe storm with golfball-sized hail, the damage should be relatively easy to spot. If the hailstones were small, you might not see any real damage for a couple of months. When smaller hailstones hit your roof, they may knock some of the granules off of your shingles. The next time it rains, you’ll probably notice these granules as they wash away into your gutters. This might not sound like a big deal, but even this kind of damage can take five to ten years off of the life of your roof and should be repaired as quickly as possible.
If you want to determine if you have hail damage immediately after a storm, take a look at your roof. Even if it might take a few months for loose granules to wash into your gutters, you might still notice things like cracks, chips, or tiny dents in your roof. You probably won’t even need to climb up to your roof to see this kind of damage; simply looking up from the ground with a pair of binoculars might be enough. You can also look at your gutters or any vehicles that were outside at the time of the storm. If you notice tiny dents in these metal surfaces, chances are good that your roof will show the same signs of damage if you look closely enough.
You might still have a storm-damaged roof even if you don’t see it right away. Whenever you’re hit with a particularly bad hail storm, you should contact a professional roof inspector to take a look at your roof. Make sure that they are trained and licensed before you hire them, as scammers are common in neighborhoods that have been hit by hail storms. A licensed and bonded professional roofer will know better than anybody what serious hail damage looks like, so you can trust what they have to say.
Once you’ve determined that your roof has sustained hail damage, it’s time to file your claim. As we said before, it’s best to do this as soon as possible to maximize the compensation that you will receive and so you can get started on making repairs.
HomeGuard and Hail Damage
If you live in or near the Arvada, CO area and you believe that your home has been recently damaged, contact HomeGuard for an inspection. Our experienced staff specializes in inspecting and repairing commercial and residential roofs that have suffered recent hail damage. We can also make repairs on siding, glass doors, and anything else that may have been damaged in storms such as the one that hit the area this past May. For more information about our services or for an estimate, contact HomeGuard today.