In Texas, hailstorms can take place at any time of the year. You may find your roof to be dented, your windows shattered, your fences broken or cracked, and your car damaged.
Your home is your biggest asset, and any damage to its surface can overwhelm anyone. That’s why we came up with steps that you must follow before calling an insurance company to file your claim. This will help you to get support for your hail damage repair services.
How? Let us have a look at the following sections in this blog post.
First Steps That You Must Follow After Hail Damage
Even before you touch anything or decide to clean up everything, start documenting everything. Take out your smartphones and start taking photos and videos. It becomes invaluable evidence in filing an insurance claim.
This is what you shall do first:
Check for any visible signs of Damage.
Right after the storm, when everything calms down, it is time to check everything. You shall check for visible signs of roof damage, such as missing shingles, leaks, blocked gutters, or overflowing drainage systems. This will help you understand precisely where the damage occurred.
- Click Photos and Have Videos
Take photos and videos of all visible signs of damage to your roof right after the storm. It helps you get the insurance claims faster with valid evidence.
- Follow Precautionary Measures
Before the roofers from Apex reach your home, you can use tarps or boards to cover up your punctured roof. This step will help you prevent sunlight, air, or rainwater from entering your household. If you want, you can temporarily seal leaks or keep buckets of water under the leak.
- Look for Signs of Hailstorms
You shall check for any signs of hail lying on the ground. You can click pictures of this hail to support your claim of visible damage to your insurance company. It will help them to understand that you genuinely need vinyl fence installation services or any other roofing services.
These small steps will prevent you from a lot of headaches later on.
Call the Local Company for a Professional Roof Inspection
Before contacting your insurance company, it is wise to have a professional inspect your roof. You can search for: “ roofing contractors near me?” in this regard. This is what you can expect from their roof inspection services:
- Licensed and Insured
The roofers have to be licensed and insured to ensure your property remains safe during our services.
- Years of Experience
It is a crucial factor in selecting a roofing company. The roofers who have helped homeowners with conditions similar to yours know how to provide excellent solutions.
- Transparent Communication
We answer all your queries regarding our roofing and fencing services clearly without beating around the bush.
- Complete Roof Inspection
Our team thoroughly inspects your roof for signs of hail damage and provides repair services. During this process, we find signs of hail damage, broken shingles, roof leaks, and more. Additionally, we check your chimneys, skylights, and vents for visible damage.
- Written Contract
We provide you with a written report about your current roof condition and snap photos for your insurance claims.
You can call Apex today for a free storm damage assessment with no obligation.
You Can Call the Insurance Companies Now
You have all the required evidence for your insurance claim. It’s time to call the insurance company now. It demonstrates that you are a responsible homeowner who cares about your family first. Once the process starts, the representatives from insurance companies will visit your home.
What if you are unaware of the complete insurance claiming process? It is best to have roofing contractors who are in touch with insurance companies. They will work on your behalf to help you get the claim that you deserve. All you have to do is review the initial paper, and then you are done.
How Do You Review Your Paperwork for Insurance Claims?
Your insurance company will send you a report based on its findings about your roof condition. You have to check the following things in the paperwork:
- Deductible
It refers to the initial amount you have to pay for your hail damage repair services. The required amount is deducted from your actual cash balance before the insurance company begins supporting you.
- Actual Cash Value (ACV)
This is the amount you will receive from your insurance company on your first check. It happens when the insurance company considers your roof, gutters, and so on to be worth the cost of storm damage.
- Depreciation
This is the amount deducted from your payout when your roof is old or has been damaged much earlier than expected. For example, if your insurance company pays you $15k for a roof with a 20-year lifespan. Now, your roof is 10 years old, so your insurer will deduct 50%, i.e, $7,500. Thus, you will receive a total payout of $6500, since $1000 was your deductible.
- Replacement Cost Value(RCV)
This is the amount your insurance company will pay you to repair your roof. It is the money paid to you minus the deductible and any non-recoverable depreciation. This amount is used for covering all your hail damage repair cost related to roofing materials, labor, taxes, and recoverable depreciation.
Thus, it is always helpful to learn about your insurance claims before you actually opt for any roofing services.
Final Thoughts
Understanding the terms and process of roof insurance claims is essential. Whether you have a damaged roof or fences, our team at Apex is here to provide effective solutions. We document your roof and fence damage and file for insurance claims on your behalf. You can call Apex now for hail damage repair services and other roofing issues.