Filing a Commercial Roof Insurance Claim Due to Hail Damage
Hailstorms can have a severe impact on commercial roofing systems, leaving cracks, leaks, and penetrations in their wake. Therefore, it’s crucial to understand how to file a commercial roof insurance claim when hailstorms strike.
Keep reading to learn more about roof insurance claims and how they can help your commercial building after severe hailstorms.
Identifying Hail Damage to Your Roof
Spotting hail damage on your roof is an essential task. Hailstones cause varying degrees of damage to different types of roof material, from slight cosmetic damage to catastrophic structural issues.
Visible signs of hail damage include dents or bruises on shingles, broken or missing shingles, cracks in slate tiles, or puncture marks on metal roofing and membranes. The condition of the roofing material before the storm, the age and type of roof material, and the size of the hailstones all play a significant role in the damage caused.
However, some damage might not be as apparent. Therefore, it’s advisable to hire a licensed roofing contractor or roofing company to inspect your roof after a significant hail storm.
Why Filing an Insurance Claim for Hail Damage Is Essential
Filing a roof insurance claim is vital to avoid out-of-pocket expenses for repairing hail damage. Insurance companies typically cover hail damage under their standard policies per the Insurance Information Institute, although the exact coverage may vary based on the company and policy. The average insurance payout for a hail damage claim covers a significant portion, if not all, of the repair or replacement cost.
It’s crucial to remember that all insurance claims, including those that pertain to hail damage, can lead to an increase in your insurance premiums. Therefore, discussing this possibility with your agent or a licensed insurance expert before filing a claim is recommended.
Understanding Coverage Specific to Hail Damage
Specific insurance coverage for hail damage differs based on the specifics of your policy. While some policies may offer hail damage roof insurance on a replacement cost basis, others may only cover the actual cash value. Specific policies may also limit coverage for certain types of roofs or those over a certain age.
Steps to File a Commercial Roof Insurance Claim
One of the many variables when hail damage strikes is the process of making a roof insurance claim. If you’ve experienced a loss, there’s a set path to follow to ensure your roof insurance claim is handled swiftly and fairly. Key steps include:
1. Documenting and Reporting the Damage
Firstly, document all of the damage so you can provide an accurate description to your insurance company. This process includes taking pictures or recording videos that highlight all wind damage, hail damage, or even cosmetic damage to your roof material.
Next, promptly report the incident to your insurance company. Prompt reporting elevates the success rate of your roof insurance claims. Do this before contacting a contractor or moving ahead with any roof repairs. It’s essential to allow your insurance company to inspect the damage firsthand. They’re the ones who will decide the replacement cost and consider the insurance deductible.
2. Collecting Repair Estimates
Getting a few estimates from reputable roofing companies for a roof replacement is also a good idea. They’ll help qualify and quantify the extent of the hail damage and give insurance adjusters a clear cost to reflect on. You can then submit these estimates to your insurance company.
3. Meeting With the Insurance Adjuster
Once you’ve reported your claim, you’ll meet with the adjuster dispatched by your insurance company. The adjuster’s role is to evaluate the hail damage claim and determine its validity based on your policy. They do this by inspecting the storm or hail damage and the evidence you’ve provided.
4. Getting the Payout
If your claim is approved, the insurance agent will offer you an average payout based on your policy and assessed damage. It’s crucial to remember that some insurance companies might not cover hail damage or might not pay for the entire roof replacement. Consult a licensed insurance expert for advice.
5. Hiring a Contractor
After your claim payout has been approved, hire a reputable roofing contractor from your pool of estimates. A competent contractor simplifies the roof insurance claim process, works in sync with insurance companies, and ensures a quality roof replacement.
Need to file an insurance claim for roof damage? Get an accurate estimate with Rainville Carlson’s commercial roof inspections.
Tips to a Successful Claim
Hire a Public Adjuster for a Fair Settlement
Public adjusters can be valuable intermediaries between you and your insurance agent. Independent adjusters often have a deeper understanding of commercial roof insurance and can deliver a more fair and beneficial claim result.
Consult a Hail Damage Roofing Contractor
If you suspect hail damage, consult a well-reputed hail damage roofing contractor before calling your insurance company. A reliable contractor can provide an unbiased assessment and help you estimate the cost of the damage, which might expedite the process with your insurance company.
Preventive Measures for Future Claim Success
Preventive measures such as routine roof inspections and timely maintenance can qualify your future hail damage claim. Proper upkeep and understanding of your coverage helps ensure claim success and mitigates disputes with your insurance company.
Navigating Common Challenges in Filing Claims
When Insurance Doesn’t Cover the Full Cost
It’s a common misbelief among business owners that insurance covers the entire roof replacement cost in case of damage. However, this may not be the case depending on your policy’s terms and the insurance company’s evaluation of the claim.
Some average insurance payouts don’t quite match the quotes provided by the roofing companies. At such times, understanding your insurance deductible could prove beneficial. It’s equally helpful to understand the process to follow when your insurance doesn’t cover the total cost.
Avoiding Insurance Denial
Insurance companies sometimes deny claims. This could be because they believe the damage caused is minor and hence the claim isn’t justified, or they simply don’t cover the damage in the policy.
If roof damage wasn’t caused by something the insurance policy covers, it might be challenging to meet the roof insurance claim’s requirements. Understanding the related damage per your insurance policy is the key to avoiding such rejections.
Ways to Deal With a Lengthy Claims Process
One often unanticipated factor in insurance claims is the length of the process. Factors such as the case’s complexity, the number of claims the insurance company is processing at a given time, and how well you’ve documented your claim can all affect the timeline.
Nonetheless, being proactive can help move things along. Regularly following up with the adjuster or agent and documenting all correspondence can expedite the claim settlement process. Additionally, a licensed insurance expert can help speed things up and ensure a smooth process.
Protect Your Commercial Roof With Maintenance From Rainville Carlson
Rainville Carlson is more than a commercial roof service provider; we’re a trusted partner in safeguarding your roofing investment. Our commitment to commercial roofs goes beyond inspections, repairs, and replacements—we specialize in extending the lifespan of roofs at an affordable rate.
With our detailed inspection process, we can quickly identify the extent of hail damage to your commercial roof. From there, we preserve the structural integrity of your roof and create an accurate estimate for your roof insurance claim.
Rainville Carlson is dedicated to ensuring you can submit a claim with peace of mind and receive fair compensation for any hail damage. Contact us today to get started.