Major storms can happen almost any time of the year. If the storm is severe, you may experience hail that could damage your home or your vehicle. If you find hail damage on your property, you will want to check your insurance policy and make sure you are covered for this type of incident. When comparing quotes for insurance, you need to make sure you have adequate coverage and not just a cheap policy.
First you want to complete an inspection of your property. Make sure you have a camera handy or plan to take video with your cell phone. Often the roof is the most likely place you will receive hail damage on your home. This can severely damage the shingles and you will need to have repairs made quickly. You may also have hail damage to windows or other buildings on your property. If you have a metal shed where you store lawn or garden supplies, hail can cause a lot of damage. Make sure you take pictures of all of the damage as soon as possible.
Next, you will want to call your insurance company to make a claim. This usually needs to be done within the first 24 – 48 hours after the storm. You can explain the situation and more than likely, if the storm was severe, the company has received other calls for damage in your area. Your insurance company will probably need to send an adjuster to your home to inspect the damage. You can include pictures you have taken, but the insurance company will probably take pictures also.
The next step to report hail damage is calling a contractor to give estimates to fix the damage. Just like you have to get 2-3 estimates when making repairs to your auto, you will also need estimates for your home. You do not have to go with the lowest estimate. Your insurance company will compare the price and the reputation of the contractor and help you make a decision about who to hire.
Finally, your insurance company will give you a claim number and will settle on an amount to pay for the damage. Depending on your deductible, you should get a check in the mail that will cover the cost of the repairs. Now that you know how to report hail damage, hopefully you will never need the information.