What To Know Before Getting a Roof Replacement From Hail Damage

Posted On Wednesday, 10 March 2021 20:57

Depending on where you live in the country, you may or may not be familiar with the process of getting your roof replaced.  If you reside in the Midwest, Denver, or even near Northern Colorado, you’re probably quite familiar with the process.  It’s always a good idea to get inside information from an expert, so read on to learn more about some quick tips on how to best handle a roof replacement from hail damage.

First, make sure you call a local, reputable roofing company right away.  It’s important to take a few minutes to research the companies by checking out their webpage and their online reviews.  Nextdoor and Google can be great references, and it shouldn’t take long to find a contractor who fits your liking.  You’ll want to choose one who has plenty of experience and has positive reviews.  Don’t shortcut this part of the process as it can literally make or break the result from your insurance carrier and your ability to get your roof and other damaged home items replaced.  Hail damage to a roof is very subjective which is why you’ll want someone who is knowledgeable, experienced, and presentable to be by your side through this process.

Next, you’ll want to reach out to your insurance carrier and get your claim started.  It doesn’t cost you anything to do so, and there’s no obligation when starting a claim.  Here’s a pro tip, make sure to tell your chosen contractor the inspection date and time set by your carrier.  You’ll drastically benefit from having your roofing company on site when the insurance adjuster performs his inspection.  The contractor will work as an adversary, making sure all of the damage is correctly assessed on your behalf.

Now that you’ve gotten your roof and home items approved, you need to supplement your claim.  If you’ve hired a good roofing contractor, they should do this for you, free of charge, for all of your required trades.  The process of supplementing is basically negotiating with the carriers for the proper amount of money to have your home brought back to its original condition, prior to the storm.  This is where most homeowners miss the boat, and their opportunity to be made whole. 

It’s very important to remember that you’ve been paying for homeowners insurance which covers your entire home.  This includes all items like the roof, windows, siding, paint, fence, landscaping, and garage doors.  If you’ve sustained damage to any of these items, make sure you are properly compensated for them.  Your roofing company will be able to perform most of the work themselves, and if they can not, they will help you with top-notch referrals for any trades in which they are unable to perform.  

Finally, make sure to ask questions.  Many consumers are intimidated by the process and the reality is that you shouldn’t be.  Again, this comes back to the importance of taking the time early on to find a contractor that you like and trust to help you with the homeowner’s insurance claim process.  A competent roofing contractor should take on the role as a friendly advisor, so don’t be afraid to ask questions when the time comes.

Overall, making an informed decision as to when and if you need to make an insurance claim after a hail or wind storm will most likely come down to the advice and experience of the roofing company that you hire.  Take the time to find a good one, and you’ll have a much better experience in getting your roof replaced after a hail storm.

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