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Roof Hail Damage – Insurance Claims

Hail can cause serious damage to your roof, ranging from surface damage to compounding problems such as water mitigation problems, and collecting of water resulting in dampness and mold, and leaks, leading to structural damage to your home.

The cost of repairing the damage can be high, especially if problems have compounded and caused further damage to your home down the line. This is when a hail damage roof insurance claim can be filed, to ensure that the cost to repair your roof and home from hail damage is covered.

Identifying Hail Damage

In many cases, it is hard to identify hail damage on your roof, as it is not immediately obvious to the naked eye. You may be able to spot dents in your flashing or pockmarks in your asphalt shingles.

 A good way to gauge if you have experienced hail damage is to check the surrounding area of your home and roof. If you are noticing that your siding, windows, air conditioning units, wooden decks, vehicle, or your shed have hail damage, then it is safe to assume that the roof on your home has also been subjected to hail damage.

Going through these processes is a great way to try to establish whether you have experienced hail damage. However, to truly determine whether your home has sustained hail damage, as well as to find out the extent of the damage and if there are any compounding problems, having your roof inspected is your best port of call. At Aegis Construction, we can assist you with a free inspection to determine the existence and extent of your hail damage.

 Getting a thorough inspection of your roof and home is key to the insurance claims process, not only because it identifies the damage, but also outlines the best method of repair. We will break down the hail damage roof insurance claim process further below.

storm damage roof

What is the Process of Filing an Insurance Claim for Hail Damage?

Follow the steps below to ensure that your insurance claim is handled quickly and that the repairs to your home can happen timeously. Start following these steps the instant you suspect or notice hail damage to your home.

Step 1: Contact Aegis Construction Group


Contact us at Aegis to arrange a free inspection to your roof. Here, we will be able to ascertain just what kind of damage your roof has been subjected to, and we can assess the extent of the damage by looking at not only your roof, but also surrounding parts of your property such as your gutters, siding, windows, and any damage that has progressed to the inside of your home, such as a leak. A thorough property inspection is a key to starting the insurance claims process, and this is where Aegis construction can help.

It is very important to determine the date of loss, or DOL. This is essentially the date that the adverse weather event occurred and caused damage to your home.


Step 2: If damage is identified, make contact with your insurance company


We at Aegis Construction can assist with the insurance claims process. Once we identify damage to your roof as well as its extent, and the DOL is identified, you should immediately file an insurance claim.

 There is a time limit on how long homeowners have to file an insurance claim. If too much time has elapsed between the DOL and the date you file your insurance claim, your insurance claim may be rejected.

For this reason, it is extremely important to get your home inspected the instant you suspect storm damage, or when an adverse weather event occurs. In many instances, storm damage goes undetected, which results in difficulties with insurance claims down the line due to lapsed dates of loss.


Step 3: Adjuster Appointment


Once you have filed your insurance claim, an appointment with an adjuster as well as an expert from our team at Aegis Construction is scheduled. The adjuster will work together with our experts at Aegis Construction to conduct a thorough evaluation on your property.

We ensure that one of our expert contractors from Aegis is present at every adjuster appointment, to guarantee that no damage goes undetected. At Aegis Construction Group, our first priority is the homeowner, and through experience, more insurance claims are approved when a contractor is present during an adjuster appointment.


Step 4: Repairs Commence


Once your insurance claim has been approved, one of our experienced representatives from Aegis will take the time to review the estimate for repair that has been provided by the insurance company together with you.

Your insurance company will determine the estimated cost to repair the damage to your property, and this amount is sent to you in a two-check series. The first is a percentage of the estimate which is given to the contractor as a deposit to source supplies and to begin your repair project. The second check will come through on completion of the project and subject to you, the homeowner’s, satisfaction.

storm damage roof repair

Why Choose Aegis for Your Hail Damage Insurance Claim?

At Aegis Construction Group, we are committed to customer satisfaction. Our experienced personnel can advise you on every step of the insurance claims process. Our contractors are always present at adjuster meetings to ensure that your home is accurately evaluated, all damage is detected, and everything is repaired without any room for error or oversight.

Don’t hesitate to contact us for any more information you need on the insurance claims process. Our experienced and friendly personnel are always happy to assist you with any questions or concerns you may have.


When should I file a roof hail damage insurance claim?


The short answer is as soon as possible. The sooner a claim is filed, the sooner materials tailored to your specifications can be sourced, and the sooner your repair can commence.

Additionally, your claim has a much higher likelihood of being approved by your insurance company if you report the damage as soon as possible. Insurance claims may not be approved if the date of loss has exceeded a certain time limit.  


Does your household insurance cover damage to your roof?


This is largely dependent on your insurance company, but by and large, most homeowners’ insurance policies cover roof repairs and even replacements if the damage was the result of an accident or an act of nature, such as a hailstorm.

 It is important to look through your current insurance policy to ensure you are covered for all possible eventualities.


How do insurance companies determine roof damage?


Most insurance companies will require an inspection to be done by a roofing contractor to assess what kind of damage has occurred, as well as assess the extent of the damage. Then, an adjuster, together with your roofing contractor, will come and evaluate the damage on your property to ascertain the costs of repair.


How long do I have to claim from insurance after hail damage is found?


In most cases, the time between the determined DOL (date of loss – the date the adverse weather event occurred and damaged your property) and the date in which you can claim from your insurance company is 6 months.

However, it is best practice to file a claim as soon as possible, and avoid waiting longer than absolutely necessary. A longer time between DOL and your insurance claim increases the likelihood that your insurance claim may be rejected.


How long is the insurance claim process?

How long the insurance process takes largely depends on the extent of the damage to your roof and building. If the damage is straightforward, an insurance claim can be concluded in as little as 48 hours. However, if your hail damage has caused deeper structural damage, the claim can be more complicated, take longer for inspections, and can make the insurance claims process longer.


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