Should I file a hail & wind damage claim?
We regularly provide free roof inspections to determine if there is hail or wind damage, then help the owners through the claim process to get the best results. We also help educate them about the fact that in most states, it’s a law that insurance companies cannot individually raise premiums or cancel a property owner’s policy due to a storm claim.
So it is a relatively harmless claim to file from a cost perspective. The only caveat is you may lose a “claims-free discount” if you have one, but that is a small price when compared to paying for a new roof. You have insurance coverage for these types of losses, and if it’s damaged, your deductible is much easier to come up with than the full cost of a roof and gutters. We don’t believe in filing frivolous claims and will only suggest so if sufficient damage is present. Finally, we will meet with the adjuster for the claim inspection to help identify the damages and verify the components that should get included in the estimate. This simplifies the claim process.