We understand that no two jobs are the same and that customers will have questions. We have done our best to list some of the most common questions and answers below.
How do I know if I have hail damage?
Hail damage to your roof is nearly impossible to access from the ground and can be difficult to recognize if you are not a trained professional. There can be obvious damages such as dents in soft metals (i.e. gutters, downspouts, aluminum siding, fascia, etc.) and holes or breaks in vinyl siding. We recommend that a trained professional inspect your roof.
What other problems can result from hail damage?
Hail can damage asphalt shingles by loosening and, removing granules, or even penetrating through the shingle. Over time, damaged areas will expand and contract with seasonal temperature changes and create additional deterioration and granular loss. This results in damage to the matting from sunlight,causing premature aging, leaks, and mold. The results of hail damage will also void the shingle warranty.
My neighbor told me I need multiple estimates!
It is not necessary to get more than one estimate. Our professional staff is experienced in working with all insurance companies and will make sure that you do not pay anything more than your deductible out of your pocket. If a contractor gives you an estimate for less than the price determined by your insurance provider, you do not receive the difference. If we determine the repairs cost more than the price determined by your insurance provider, we will work with your insurance company to make sure they cover any additional costs.
What is the deductible?
Your deductible is the dollar amount stated in your policy which you are required to pay to complete your insurance claim. Some companies have set dollar amounts like $500 or $1000. Many companies use a percent value of your home or percent value based on the length your policy. We can contact your insurance carrier to determine your deductible. In Nebraska and Iowa, it is state law that the deductible be paid first.
Will my insurance premium increase if I file a claim?
Typically your premium will not increase because the damage to your home is the result of a natural disaster which was beyond your control. Rates are often determined based on the number of claims in the area, not based on your claim specifically.
What is my time frame for filing a claim?
Most insurance companies have a limited claim period. Typically, if you have all repairs completed within one year without filing a claim, they are not required to fully indemnify you for your loss. You should file a claim as soon as possible to make certain that all work will be completed before the insurance deadline and to prevent any additional damage. If you have already filed your claim, be sure to check your time frame for completing work. Each claim and each company is different. If you think you’ll need more time to make your decisions, call your insurance company and request an extension. Most companies offer a one-time per claim six month extension period.
What exactly does my insurance company pay for?
Your insurance adjuster will give you an estimate to repair what he/she sees as damages to your property: roofing, siding, fascia, gutters, windows, wraps, personal property.Our experienced inspectors are trained to find what your adjuster may have missed and help get your property fixed properly. Your insurance company will ultimately compensate you for repairs that are actually completed at your property based on the assessment and confirmation of damage from the storm. Depending on how your policy is written, you may be entitled to additional repairs based on city codes. Some of these codes include felt and ice and water barrier on your roof or moisture barrier behind your siding. A common misconception with insurance claims is that all of the money is the homeowner’s. As nice as that sounds, that’s incorrect. A homeowner is initially responsible for getting the repairs handled in a timely manner and payments issued to the contractor or repair person. In many cases, you’ll receive several checks from your insurance company. Be sure to keep track of any funds you receive and allow a general contractor to assist in the process. If you choose to not have something repaired from your claim, your insurance company has the ability to not cover that item during the next claim.