How do I Report Hail Damage?

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.

What is a class 1 roof?

What is a class 1 roof?A Class 1 roof designation requires approval from either Factory Mutual Research (FMR) or Underwriters Laboratory (UL). The roof design is tested, and then if it gains approval, must be installed exactly as tested.

Inspection is detailed and exacting. No building material substitutions or assembly technique can vary from the prescribed protocol, not even the thickness or dimensions. Insurance rates and coverage are affected, and building codes may be violated by breaking with installation guidance.

Each substituted component or technique must be approved by UL or FMR.

Confusion occurs when roofs are discussed as A, B, or C and then 1. Class 1 is a more rigorous standard. Class 1 roofs can substitute for A,B, or C; but not all A, B, or C are rated as Class 1.

A, B, and C designations explain the severity of external fire exposure the roof can withstand: A being severe, B moderate, and C light. Class 1 roofs are tested for:

  • Fire
  • Wind uplift
  • Hail
  • Water leakage
  • Foot traffic
  • Corrosion resistance

UL tests wind uplift by exposing roofing assemblies to a two hour sixty plus mile per hour wind. Any lifting, even a single shingle, fails the assembly.

The hail belt through the Midwest has experienced devastating hail storms causing more monetary damage than hurricanes along the east coast. Companies now offer discounts for impact resistant roofing materials in these areas prone to large hail.

Water leakage is generally a function of how the roof layers are attached, and how the roof assembly fixes to the structure. For this reason, assembly protocol is important.

Foot traffic is another impact related hazard: slates break, shingles scuff up and lift, metal bends.

Metal roofs, screws, and nails need to be corrosion resistant to maintain integrity.

UL and FMR design, implement, and monitor test protocols to assure quality standards in roofs. When Building Codes require Class 1 roofing, serious protection and service are expected. This designation is not easily earned.

Secure Roofing from Hailstorms

Secure Roofing from HailstormsHome 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.

Review Your Policy

  • Review PolicyWhen your insurance policy comes for renewal : Don’t just immediately send the check to District of Columbia home insurance company. Give yourself some time so that you can review the coverages you have brought and you can also contact your agent for any queries and concerns about home insurance.
    1. Check whether the company has made changes in the coverages in recent years.
    2. Check whether there is separate deductible for hurricanes and hail.
    3. To save your money is it required to raise the deductible.
    4. Are you taking the advantage of the available discounts.
    5. Is policy required for flood, earthquake and umbrella.
  • Major improvements made to your sweet home :
    1. Any purchases made to your house see to that you are covered with right coverages. If any one in your house has brought a new computer or expensive artwork inform your agent whether to increase the insurance for these items.
    2. Don’t forget to report to the home insurance company if you have added new room, expanded the kitchen. Same way do not forget about the structures outside your room. Maintain the records and keep the receipts safely because you may have to send the copies to District of Columbia home insurance company.
  • You can make your home safe :
    Make it a point that your home insurance company knows about the improvements made in burglar system or heating or plumbing because you might qualify for the discount.
  • Major changes in lifestyle :
    Children, divorce or marriage who are in a family can be affected by District of Columbia home insurance. People start buying more things day by day. Hence you need to buy additional coverage for the belongings inside your house.

Insurance Coverage You May Need

Insurance CoverageTo protect your home from any financial crisis due to destruction or damage by fire, hail, storm or be even theft or other perils listed under your policy, home insurance is necessary. Kansas home insurance policy will pay up to your policy limits to replace or repair your property. You need to be aware of what your policy covers and how you can benefit through it. Before buying a Kansas home insurance policy, check for its terms and conditions to avoid surprises. Ensure to read your policy carefully. Also know about the claim process and coverages included in your policy.

  • Wind and hail coverage: Most of the Kansas home insurance companies exclude certain losses which depends on your home location. However, you might ask for endorsement to include wind and hail damage provided you reside in such environment experiencing heavy wind and storms. Some companies only cover actual cash value of your home rather than replacement cost, depending completely over condition and age of your home.
  • Mold coverage:Mold remediation is not covered by most of the home insurance policies.If covered, then only up to a certain limit of replacement or repair of damaged property will be considered when caused by water loss. But there are few companies which offer coverage to accidental and sudden water leaks via endorsements. Check with your insurance agent before you decide on your policy.
  • Flood Insurance: Kansas incurs highest number of floods every year and damages caused by floods have hazardous effect. Flood damage is not covered by Kansas home insurance policies. In order to protect your home from this peril, you need to buy a separate policy called flood insurance from NFIP. National Flood Insurance Program helps you and your family to cover the risk due to floods.

3 Things You Should Know Prior to Buying Texas Homeowners Insurance

basic home policy covers very lessBefore 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.

  1. 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.
  2. 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.
  3. 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.

May Storms Hit Ohio Wallets

Necessary Preventive MeasuresAn 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.

Safety Tips

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

  1. 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.
  2. 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.
  3. 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.