Oklahoma City recently experienced a severe hail storm that left many homeowners with damaged roofs. If you’re one of the affected homeowners, filing an insurance claim for hail damage may seem daunting, especially if you’re unfamiliar with the process.
To help you navigate this situation effectively, we’re here to debunk some of the most common storm damage claim myths. By understanding the truth, you can confidently approach your claim and ensure a smooth repair process.
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Myth 1: “Filing a storm damage claim will increase my premiums.”
One of the most prevalent storm damage claim myths is that filing a claim for hail damage will automatically increase your yearly premiums. However, this is not necessarily true.
Insurance companies evaluate rates based on many factors, such as the frequency and severity of natural disasters in a specific area. Rate increases aren’t always caused by making a single claim. Plus, most insurance policies are designed to cover specific types of damage, including hail. Thus, filing a claim for hail damage, especially if it is widespread in your area, is unlikely to directly impact your yearly premiums. This is especially true if you’ve never filed a claim before.
Myth 2: “I have to use the contractor recommended by my insurance company.”
It is not mandatory to use a contractor recommended by your insurance company. While insurers may provide a list of preferred contractors, the final decision is ultimately yours. Choosing a reliable and experienced roofing contractor who can assess the damage accurately and provide quality storm damage repairs is essential. Research local roofing companies, check reviews, and seek recommendations from friends, family, or neighbors who have had positive experiences with roof repairs after hailstorms.
Myth 3: “I need to get multiple estimates for the hail damage.”
While comparing quotes from different contractors to ensure fair pricing is always a good idea, you typically do not need multiple estimates to file a hail damage insurance claim. Once you’ve chosen a reputable contractor, they will provide a detailed assessment and estimate for the repairs. This documentation is usually sufficient for the claims process. However, it’s important to communicate and cooperate with your insurance adjuster throughout the assessment to ensure a fair settlement.
Myth 4: “I missed the deadline to file a storm damage claim.”
Since hail damage can reduce the lifespan of your roof, it’s crucial to act promptly and document the damage to your property. However, insurance companies typically allow a reasonable timeframe for homeowners to file a claim after the event. The specific time limits can vary, so it’s essential to review your policy or contact your insurance provider to understand the deadline. Filing your claim within the stipulated time is crucial to ensure your eligibility for coverage.
Myth 5: “Hail damage is not covered by my insurance policy.”
This is one of the most harmful storm damage claim myths out there! Many homeowners are surprised to discover that hail damage is covered under standard homeowners’ insurance policies. Hail is considered a natural disaster and is typically included in the perils covered by such policies. However, coverage limits and deductibles may apply. Review your insurance policy documents or contact your insurance provider to understand the specific coverage details and any deductibles you may need to pay.
Related: Can a roofing company pay your claim deductible?
Myth 6: “I must repair my roof before filing an insurance claim.”
While mitigating further damage and protecting your home after a hailstorm is important, repairing your roof before filing an insurance claim is not always necessary. Document the damage with photographs and videos, and keep records of any temporary repairs you’ve made. Notify your insurance company promptly and work with their appointed adjuster to assess the damage accurately. They will guide you through the claims process and determine the appropriate course of action for repairs.
Key Takeaways On Storm Damage Claim Myths
Navigating the process of filing a hail damage insurance claim can be overwhelming, especially if you’re unfamiliar with the intricacies of insurance policies. We hope to provide clarity and empower homeowners by debunking common storm damage claim myths and empower homeowners to make the best decisions for their homes.
Have questions or need more information? Give us a call at 405-895-9972 and speak to our local roofing experts today!
