There are many weather conditions that can cause damage to your home and property but one phenomenon that people often overlook is the significant harm that a hailstorm can bring to your home. Hailstorms damage countless homes across the United States each year. Texas consistently has the largest number of hail damaged homes annually.
Many times, hail the size of golf balls– or larger– will wreak havoc on your your property, automobile and other belongings, and the extent of the damages can be extremely expensive to repair. Having comprehensive hail insurance will alleviate the financial burden that one good hailstorm can create—and choosing the right company, one that knows how the insurance business as well as the construction business, is a real plus. DMJ Restorations is that company! We use the same estimating process that insurance companies use and we know how to maximize the value for the property owner throughout the whole restoration process. Contact DMJ Restorations for your free consultation.
Practical Steps You Can Take
If the damage is too comprehensive to wait for repairs after the claim has been filed, go ahead and schedule the repairs and save the receipts and bills to give to your insurance agent. It is better to act quickly than to wait and possibly sustain more damage to your home due to a leaky roof or broken windows.
The Waiting Game
Be aware that in the event of a cataclysmic storm in your area it may be a few days before the insurance adjuster will show up to assess your damage. According to the laws of most states, the insurance company typically has fifteen days to respond to reports of damage, though typically the amount of time that passes between reporting and examination are much less. In the aftermath of a severe storm, the insurance company has the right to request an additional fifteen days to respond, due to the high volume of claims being filed. Once you have filed your report, it is advised to contact the company again if you haven’t heard from them within a week, but do not expect immediate service when damage in the surrounding area is as extensive as the damage to your property.
Choosing a Contractor
Be aware that your insurance company is not allowed– by law– to recommend a contractor to repair damages to your home. Often in the aftermath of a large storm which has caused a lot of damage, out of state contractors will pour into the community in droves to get and try repair work.
You know nothing about their reputation or the caliber of work they perform. They will often quote unrealistic work completion time, and by the time you discover what a shoddy job they did in making repairs they are gone and you have no recourse in getting them to complete the work properly. If the contractor did not perform the job well, your insurance company will not pay you again.
Some of these shady companies will even join the local Chamber of Commerce for a few weeks and they will use this as a selling point regarding their trustworthiness. It is always wise to go with a contractor who has an excellent reputation as well as ties to the community in which you live.
Remember getting the repairs done is between you and your contractor, therefore it is very important to choose the contractor wisely. Contact DMJ Restorations for your free consultation.
When considering repairs on your home, let us use your roof as an example. If you are facing a complete roof replacement due to the severity of the damage, you need to understand how the policy will pay the claim.
If your roof is ten years old the insurance company could depreciate the replacement cost by as much as fifty percent. You would then subtract that fifty percent plus the deductible, which may not leave you enough coverage to completely replace the roof. To avoid a situation like this you need to have a discussion with your agent about what level of coverage is right for you, based on the age of your home, the age of any upgrades or replacements on your home and other factors that will be considered when a claim is filed.
If your home is damaged in a hailstorm, do not panic. A call to your agent—and to a team of home professionals like DMJ Restorations— will begin the process of fixing the damages and bringing your home back to the condition it was before the storm.