Hail can be very damaging to vehicles. A sudden summer hail storm may leave your vehicle with pot marks, broken windows, and even damage to the lights. When this happens, it is important to contact your insurance company directly. Your insurance agent can help you to determine if your insurance policy provides coverage to you for the type of damage you have. If that is the case, you should have no trouble providing information about the hail damage and filing a claim for it. There are a few key things you should know about this process, though.
How to Report Your Hail Damage to Your Insurance Carrier
The first step in reporting damage to your car is to call your insurance carrier. Generally, policies cover significant damage related to hail damage, especially during a documented storm. In some cases, hail damage can be significant, though rarely does it cause the car to be totaled. In either case, you’ll want to alert your agent as soon as you notice the damage. Then, take photos of the car’s damage. Be sure to do this from various angles. Keep them for your records, though some agents allow you to submit the photos as proof of the damage.
Your insurance agent may instruct you on the additional steps you need to take. You may need to get estimates from reputable (or specific) companies who can make the necessary repairs. In other cases, the agent will want to see the damage up close before this. An assessment is often necessary to determine the extent of the damage and to get an estimate of the cost to make repairs to the vehicle.
Ensure You Have the Right Coverage
In many cases, comprehensive insurance policies may provide coverage for hail damage. If you do not have this type of policy on your car, it is likely a good idea to add it. You can get quotes from numerous insurance carriers by simply using our online comparative tool. One of our agents can also help you to compare the policy options from numerous carriers. This is an easy way for you to find the policy that fits your specific needs, including your budgetary needs. If you already have a policy, follow your agent’s lead on the steps to take to report claims for hail damage to ensure proper coverage.
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.
Home insurance premiums vary according to the age of the home, location, condition and your credit rating. Eligibility requirements and premiums for coverage may be determined by previous loss experience and age of the dwelling.
Windstorms, fire and hail storms do not result in catastrophic damage. But hail causes some significant damages to your home. The most affected part of home because of hail damage will be your house roof. You can mitigate damage if there is hail damage and this can help you reduce your Indiana home insurance premium.
a.Roof Covering : Materials that have been used for building the roof and the condition of the roof can improve on the resistance. Asphalt shingles is liable to hail damage. There are roof coverings which has impact-resistant coverings. It is designed and also tested to amend the performance of the roof during the hailstorms. This reduces the potential damage and also the premium.
b. Roof Decking : Your roof will be covered with roof decking, which will provide structural support. The resistance of roof will be improved by roof decking. Hail damage can be reduced and the roof stiffness can be improved by using good material and also improving on construction techniques.
c. Roof Slope : The force of impact of hail can be reduced if the roof is angled. If the hail hits the roof at 90 degree then the damage caused by the hail will be more. Angling of the roof can reduce the force of crash from hail. When the hail hits the roof at a 90-degree angle, it causes more damage.
Before you purchase homeowners insurance for your Texas house, there are a few important things you should know about the coverage you are buying. Following are 3 things you should know prior to buying Texas homeowners insurance.
- Basic Policies – There are 3 basic types of Texas homeowners insurance policies that provide a standard level of coverage. They are HO-A, HO-B and HO-C. An HO-A policy provides the lowest level of coverage. It generally provides a limited cash value for loss and damage to your home and its contents. An HO-B policy is a step up and may provide replacement cost coverage for all forms of damage or loss except those specifically excluded in the policy. The HO-C policy provides even more complete coverage and are also the highest price of the 3 types of policies.
- Basic Coverage – Most Texas homeowners policies provide the following coverage. They cover losses caused by fire and lightning, smoke, explosion, theft, vandalism and malicious mischief, riot and civil commotion, aircraft and vehicles, windstorm, hurricane and hail (you may need a separate hurricane rider) and sudden and accidental water damage. Areas that generally are not covered include loss caused by flooding, earthquake, termites, insects, rats or mice, wind or hail damage to trees and shrubs, losses in a house that has been vacant for 60 days or longer, wear and tear or maintenance and water damage resulting from continuous and repeated seepage.
- Personal Property – When you buy a standard Texas homeowners policy, your personal possessions are generally covered up to 40% of the amount of the dwelling coverage. If you do not feel that is adequate, you can get higher coverage by paying a higher premium.
An estimation made by Ohio Insurance Institute ranks May 20-26,2011 incident of serial storms in Ohio as the third-highest and costliest event since 1974. Under many weather related disasters, a series of high windstorms due to Hurricanes which tore the roof tops and uprooted the trees in September . It resulted in a heavy loss of $1.14 billion, less than recent claims made at insurance companies for property damage and bodily injury. Usually, windstorms cause huge damages to home owners through flying tree limbs or debris tearing away roof tops. But May storms significantly increased auto insurance claims also which was mainly due to heavy hails in the state.
The most commonly occurred weather-related accident in US is hail. It is the costliest and deadly hazard in Ohio. To safeguard yourself by a hailstorm follow the steps below.
If stuck while driving then
- Stop driving and seek shelter immediately.
- Drive to any place close by such as a high way under pass or garage which is safe
- Ensure to pull away completely from the highway.
- Until hailing stops, do not abandon your car. It will need reasonable protection.
- Lay down or face down on the seats, your back facing the windows.
If in a building
- Make sure to stay inside.
- Set trees as as resort. Trees are usually not considered safe as it starts to lose it’s branches when sever weather related conditions hit the city. Also, large trees set isolated tend to attract lightning.
- It’s safe to be away from windows struck by hail.
- Avoid using telephones and any electrical appliances when a severe storm hits in order to avoid electrocution due to lightning.
Facts About Hail Damage Insurance Claims
- Adjusters of every Insurance company will be sent to get well trained to identify a hail damage to policy holder’s property. Its always a good idea to get your roofs inspected by skilled personals only.
- When New roofs are compared with old ones, they are highly susceptible to severe weather conditions, even hail damage . As any new roof needs that exposure to the environmental elements. Manufacturers or roofing contractors consider hail as an exclusion to their product warranty.
- After disaster, premium rates are usually raised by the insurance companies. If you are filing any claim fearing high premium rates then it will demand replacement for the losses of every Ohioan except you.