Hail Damage Insurance Claim Time Limits Explained: What High Point, NC Homeowners Should Know
Piedmont Triad homeowners have had past and present hail damage on their roofs over the years, but many are unaware of their hail damage insurance claim time limits. Knowing how long you have to file a claim for wind or hail damage to your roof is essential to your roof replacement by the insurance company instead of a roof repair.
However, many homeowners fail to file a claim within this time period and have to pay out of pocket for their roof replacement because they have waited past their hail damage insurance claim time limits. Many people aren’t even aware that they have roof hail damage. By the time homeowners find out their roof is damaged it’s too late to file a claim. Waiting too long to file for a claim can make you pay more money out of pocket.
Hail Damage Insurance Claim Time Limits
So, what is the hail damage insurance claim time limit? Well, that depends on your insurance. However, most companies will allow up to 12 months to file a claim. This doesn’t mean that you should wait several months to file a claim. With that being said, it is best to file an insurance claim as soon as you see that there has been damage done to your roof. Since the damage is recent at this time it is unlikely for something else to be causing the damage. This will help you be able to prove that it was hail damage. It will also be much easier to repair it now than later down the road.
How Long Do I Have To File A Hail Damage Insurance Claim?
If your roof has hail damage from over a year ago and you never filed a claim, what should you do?
Even if your hail damage insurance claim time limit is up, you may still have a chance to receive some kind of insurance compensation for the damage. No matter if the storm was recent or not, file a claim as soon as you can.
Each time a hail storm hits, it will reset the time you have to file an insurance claim for hail damage.
A quality roofing company, like Grace Roofing and Construction, will offer free roof inspections and estimates on the cost for replacements or repairs. Grace Roofing will leave you happy with quality results delivered on time, every time!
What If I Don’t Qualify For A Hail Damage Insurance Claim?
Whenever a hail storm strikes it is best to get your roof inspected by a professional. Never just wait around for another storm to hit. Make sure the damage is recognized and properly repaired as quickly as possible. You may even be surprised by how affordable the repair is for your damaged roof. This still applies t0 people who haven’t qualified for a claim.
Can I Afford A Roof Without A Hail Damage Insurance Claim?
If you haven’t qualified for an insurance claim, you don’t need to wait to have your roof damage addressed and repaired. Hail damage insurance claim time limits usually only last up to a year. The longer you wait to qualify the more money you are going to end up paying down the road. Take action now and call a professional storm restoration roofing contractor today!
What happens if your roof does not qualify for an insurance claim? A quality contractor will provide you with several payment methods based on roof damage.
If your roof does qualify for an insurance claim, a quality contractor will help walk you through the hail damage insurance claim from start to finish.
How Can I Know That I Have A Hail Damage Insurance Claim?
Before filing a claim you should probably know how to determine if you even have hail damage. Doing this will make it easier to file the claim and get your roof repaired. If you have recently had a severe storm with hail the size of golf balls the damage should be pretty easy to spot. However, if the hail was small it can be hard to see the damage if any.
When smaller hailstones hit your roof they can knock off the granules on your shingles. Once rain hits, it will push the granules into your gutters. At first, this may not seem like a big deal, but damage like this can take 5 to 10 years off of your roof. Although typical hail damage insurance claim time limits are 12 months, you shouldn’t wait that long to file the claim.
Do I Have Hail Damage To My Roof?
If you want to determine hail damage right after a storm, go take a look at your roof. It may take a few months to see granule in your gutters. However, this doesn’t mean that you won’t see any chips, cracks, or small dents in your roof. Climbing on your roof might not even be necessary to see this type of damage. A look from the ground with some binoculars can be good enough. You can also take a look in your gutters or look at the cars that were involved during the storm. Take a look at the vehicles and see if you can notice any dents in the metal. If you see dents in the metal there is a good chance your roof will show the same type of damage.
Even if you don’t see it, you may still have a roof hail damage. If you ever have a bad hail storm you should call a professional roof inspector. Have the roof inspector take a look at your roof ASAP. Make sure they are trained and licensed before you hire them, as scammers are commonly found in neighborhoods hit will hail storm damage. A professional, licensed roof inspector will know better than anyone else what bad hail damage looks like.
Once you have figured out that your roof has sustained hail damage it is time to file your claim!
Conclusion
Now that you are aware of the hail damage insurance claim time limits (12 months), it’s time to file your claim!
If you live around High Point, NC and you believe that your home may have hail damage or wind damage, we are experienced in working with insurance companies to get your home back to its original condition. Along with the hail or wind damage, you may have a roof leak from the recent storm that may have hit. You can trust us to do the job right here at Grace Roofing And Construction.
It is our job to answer any questions you have about filing a hail damage insurance claim or about your hail damage insurance claim time limits. We will assist and help walk you through the process from start to finish. Schedule your free roof inspection or estimate today!
References
https://www.homeguardroof.com/blog/how-long-after-hail-hits-file-insurance-claim/
https://www.graceroofingnc.com/high-point-storm-damage-roofing-company/
