16
Oct
Share
No Comments on Will My Insurance Cover Roof Hail Damage? Blog
Will My Insurance Cover Roof Hail Damage?
In Denver and across Colorado, hailstorms are often frequent and severe. Unfortunately, hailstorms can cause significant damage to Coloradans’ property. After a significant hailstorm, the roof of your home may be damaged and require repairs. But, the expense of major roof repairs after a sudden hailstorm may also seem daunting.
Thankfully, homeowners insurance can provide financial compensation for Denver roof hail repairs. Learn more about filing an insurance claim for roof hail damage below.
Homeowners Insurance Coverage For Roof Hail Damage
Especially in Denver and other regions that are particularly susceptible to hailstorms, hail damage is a frequent claim on homeowners insurance. As such, almost all standard homeowners insurance policies provide compensation for hail damage. Specifically, hail damage is covered under dwelling protection coverage. Also called Coverage A, this type of coverage helps homeowners pay for repairs to the structure of their home in the case that it is damaged by an applicable hazard. Hazards that are generally covered under dwelling protection coverage include:
- Hail
- Lightning strikes
- Wind
- Fire and smoke
- Snow, ice, and sleet
- Vandalism
- Theft
- Explosion
- Fallen objects
- Car and airplane damage
While hail is covered under dwelling protection coverage, other hazards including floods and earthquakes usually aren’t. It’s always important for Denver homeowners to check their insurance policies to understand the specifics of their coverage.
What Constitutes As a Home’s Structure?
Dwelling protection coverage provides coverage for repairs to the structure of your home. But, what exactly does the structure of your home include?
Dwelling coverage usually offers coverage for your home, as well as any additional structures that are attached to your home. These additional structures may include your garage, porch, and deck. Your roof, windows, and appliances are also included under dwelling protection coverage. So, roof hail repairs for your Denver home should be included under your home owners insurance policy.
Filing a Roof Hail Damage Claim
We’ve established the inclusion of roof hail damage under most homeowners insurance policies. Now, let’s cover the process of filing a roof hail damage claim.
Step 1: Check For Signs of Roof Hail Damage.
After a hailstorm passes over your Denver home, it’s prudent to head outside and check for signs of damage. Hailstones can easily dent and otherwise damage your roof, even if the storm wasn’t particularly large. Additionally, high winds can break branches on nearby trees, potentially causing further damage to your roof. Identifying signs of roof hail damage can help you report back to the professionals and schedule repairs.
Common signs of roof hail damage that you can identify without walking around on your roof include:
- Pieces of roof shingles or tiles scattered around your lawn
- Dented gutters
- Dented window casings, windowsills, and window panes
Step 2: Call Your Denver Roofing Company.
After noticing signs of roof hail damage, you can opt to call your insurance company right off the bat. But, you can save time, effort, and frustration by calling your Denver roof repair experts instead.
By contacting your roofing contractor, you can quickly schedule a professional roof inspection. During this inspection, the contractor will do a thorough check of your entire roofing system to identify the hail damage. A professional roofer will be able to pinpoint all of the damage – more than the average homeowner can spot alone.
After noting the hail damage to your home, your contractor will discuss the necessary repairs with you and help you make the best decision for your Denver home. Then, your contractor can handle the process of submitting a hail damage claim to your homeowners insurance company on your behalf. With their extensive experience in dealing with insurance companies for hail damage compensation, your contractor can speed up the process of getting your claim approved. Plus, with the task of submitting a claim taken off of your to-do list, you’ll have more time in your schedule for other responsibilities.
Deal With Roof Hail Damage ASAP
Hail damage can get worse over time if you leave it alone. This will lead not only to more extensive repairs down the line, but also to potential troubles with getting your insurance claim approved. For a smooth roof hail repair process, call Spire Roofing to schedule a professional inspection as soon as possible after any Denver hailstorm.