When a hailstorm hits, like the one that recently swept through Edmond, Oklahoma, on September 24, 2024, homeowners often have many questions and concerns. “Is my roof damaged?” “Will my insurance cover it?” and one of the most common questions—“How long do I have to repair hail damage after filing a claim?”
For first-time homeowners, understanding the timeline for making storm-related repairs is critical. Not only does this timeline impact your ability to file an insurance claim, but waiting to repair hail damage can also lead to more severe damage and costly fixes down the road. In this blog, we’ll explore the typical time frames for making repairs, discuss how insurance claim deadlines work, and provide you with actionable steps to ensure your home is properly restored.
Understanding the Timeline for Repairs
After a hailstorm, it’s natural to want to get back to normal as quickly as possible. However, storm damage—especially roof damage—may not always be visible right away. Even small issues like bruised shingles or dented flashing can worsen over time, leading to leaks, mold growth, and structural issues. That’s why understanding the timeline for repairs is essential.
Most insurance companies allow a set period of time for homeowners to report storm damage and complete repairs. This time frame typically varies based on the type of damage and your specific policy. However, in general:
- Initial Reporting: Homeowners usually have 6 to 12 months to report hail damage to their insurance company after a storm. It’s important to check your policy for exact details, as waiting too long can result in a denied claim.
- Completing Repairs: Once a claim is approved, most insurers expect repairs to be completed within 6 to 12 months from the date of approval. Some insurance companies may extend this period if weather conditions or contractor availability cause delays, but it’s best to plan repairs as soon as possible to avoid complications.
Why Timely Repairs Matter
Ignoring or delaying hail damage repairs can have serious consequences for your home. Here are some of the potential issues that can arise when repairs are put off:
Worsening Damage: What starts as minor hail damage—such as small cracks or dents—can quickly escalate. Exposure to wind, rain, and extreme temperatures can cause these small issues to turn into large leaks, missing shingles, or even structural damage. The longer you wait to fix hail damage, the more extensive and costly the repairs become.
Voided Warranties: Many roofing manufacturers offer warranties that cover materials for a certain period of time. However, if hail damage is not addressed promptly, it could void the warranty, leaving you responsible for the full cost of repairs or replacement.
Example: A homeowner in Edmond had a 30-year warranty on his shingles but ignored hail damage for over a year. When he finally decided to file a claim, his warranty was voided due to neglect, and he had to cover the full cost of a new roof out of pocket.
Compromised Insurance Claims: Most insurance policies have a set timeframe within which you must report storm damage and complete repairs. Delaying action can lead to a denied or underpaid claim, as insurers may argue that additional damage occurred due to negligence rather than the initial storm.
Example: A family in Oklahoma City noticed small hail dents on their siding but decided to wait until the following spring to address the issue. By then, water damage had occurred, and the insurance company only covered the original hail damage, leaving the homeowners to pay for the water damage repair themselves.
Increased Energy Costs: Damaged roofs, windows, or siding can affect your home’s energy efficiency. Holes or cracks caused by hail can lead to drafts and increased heating or cooling costs. This means you’re not only dealing with the cost of repairs but also higher monthly utility bills.
Safety Risks: Structural damage or leaks can lead to serious safety hazards, such as weakened roof support or mold growth. These issues can pose health risks to your family and make your home unsafe.
The Role of Insurance in Repair Timelines
Insurance companies have specific policies regarding how long homeowners have to file a claim and complete repairs. While it varies by policy, here are some general guidelines to consider:
- Claim Filing Deadline: Most insurance companies require homeowners to file a claim within 6 to 12 months from the date of the hailstorm. Failing to file within this period may result in a denied claim, even if the damage is significant.
- Repair Completion Deadline: Once a claim is approved, homeowners typically have 6 to 12 months to complete repairs. Extensions may be granted, but it’s always best to communicate with your insurance company if you anticipate delays.
- Documentation Requirements: Keep detailed records of the damage, including photos, inspection reports, and repair estimates. This will help support your claim and ensure the insurance company has a clear understanding of the damage’s extent.
What You Should Do Next
If you’ve experienced a hailstorm and suspect your home may have been damaged, follow these steps to protect your property and ensure timely repairs:
- Schedule a Professional Inspection: Reach out to a trusted roofing contractor, like Triple Diamond Construction, to conduct a thorough inspection of your home’s roof, siding, and other vulnerable areas. A professional can identify both visible and hidden damage that may go unnoticed.
- File an Insurance Claim Promptly: Once hail damage is confirmed, file an insurance claim as soon as possible. The quicker you act, the more likely you are to receive the full coverage your policy offers.
- Get Multiple Repair Estimates: Obtain estimates from several licensed contractors to ensure you’re getting a fair price for the repairs. Make sure the contractor you choose has experience working with insurance claims and storm damage.
- Plan and Schedule Repairs: Once your claim is approved, schedule repairs immediately to prevent further damage. Consider the weather and contractor availability, and communicate with your insurance company if you anticipate any delays.
Protect Your Home – Repair Hail Damage Now!
Understanding the timeline to repair hail damage can protect your home and save thousands of dollars in potential repairs.
After a hailstorm, it’s easy to overlook damage if there are no visible signs. However, small issues can escalate quickly, leading to costly repairs and insurance complications. Don’t wait until it’s too late—schedule a free, no-obligation damage assessment with Triple Diamond Construction today. Our team will help you understand your repair options and ensure your home is safe and secure.
Call us at 405-895-9972 or visit https://triplediamondok.com/free-roof-inspection-okc/ to schedule a free inspection online!
