If your home has been through storm damage, including hail, wind, etc. It is important to read this carefully and go through this list step by step on how to file a claim.
1 Find a reliable and licensed contractor. Check to see that they have been in business with the same name for a minimum of 10 years. Look for a contractor who warranties their work, not only the product. It is best to find a local contractor. Also, out of state contractors are not familiar with the cold weather requirements. This way you know how to contact them easily throughout the insurance process and should there be warranty work. Lastly, they should be HAAG certified. This is the certification that insurance adjusters have, in order to determine storm damage.
2 After the storm, grab your digital camera and walk around the property and take photos of the hail stones covering the yard, sidewalk and patios. Next, set a tape measure by the hailstone and take a picture. Look for obvious signs of roof damage such as missing or torn shingles, dings on the air conditioning units, external light fixtures, window trim, screens and soft metal downspouts. Hail stones can dent and bend the cooling fins, blocking the airflow.
3 Have the contractor walk the property and inspect it fully for signs of damage. They should check vents, gutters, downspouts, window wraps, window screens, window frames, siding, patio furniture, deck (if applicable), air conditioner, and gas meter. If dents or dings are present then there is likely damage on the roof as well.
4 No damage, then no claim will be filed.
5 If damage was detected, a claim needs to be initiated.You have 1-2 years, depending on your policy, to file from the date of loss. It is in your best interest to have a licensed contractor present at the adjuster meeting.
Certified hail damage inspections and insurance claim restoration services provided by Stinson Services, Inc. We provide expert knowledge on home remodeling repairs that deal with storm, wind, and hail damage.