Colorado Springs hail storms can wreak havoc on your shingles and gutters without showing any visible signs from the ground. Golf ball sized hail usually causes the most damage to roofs.
If the hail is driven by high winds or lasts more than a few minutes, your roof will begin to lose its protective granules. This will significantly reduce the life of your roof. This type of damage is tough to see unless the light is just right. It would be a smart decision to have the exterior of your home inspected along with the roof.
If you live in an area where storms, especially those known to create a lot of damage, occur frequently, ask your agent to explain exactly what is covered in the event of a loss. For instance, if you live in an area that is known for major hail storms that could cause major damage and the policy regarding roofing insurance claims for storm damage needs to be clearly defined. At times, there are reports of individuals who suffer extensive hail storm damage to their home only to learn that their policy did not cover roofing insurance claims for hail storm damage. There is no doubt that hail storm damage can cause a lot of problems with your roof in particular, so it’s extremely important to make sure your insurance policy covers any problems that may arise in the event that the unexpected should occur.
When you think about it, our roof is the only thing that protects us from rain, snow, sleet or, in the worst case, a natural disaster. It is expected that, at some point, our roof will be in need of repair. Our roof is essential to a home because, without it, we would be left out in the rain – literally.
If your roof is damaged during a storm, the first thing to do is contact your insurance agent. You will need to ask about their policy regarding the filing of roofing insurance claims for storm damage. Your agent will then advise you in proper procedures and deadlines. Explain to your agent, in detail, exactly what damage was caused and the date of the occurrence. If your roof is leaking, it will need to be repaired or replaced immediately to avoid further damage to the interior of your home. It’s important to inform your agent of any repairs that need to be made without delay. This information is crucial in the processing of roofing insurance claims for hail storm roof damage.
After the initial contact with your insurance agent, you should receive a letter or telephone call from their department, which handles roofing insurance claims for hail storm roof damage. Following that, an adjuster will likely contact you. In most instances, the adjuster will want to see the damage, take photographs of the loss and will provide the insurance company with an estimate on the cost of repair or replacement. It is not advisable to sign a contract or make any agreements until your hear from your insurance agent. The adjuster may, however, provide you with an estimate on the cost to repair any damage that your roof has sustained during a storm.
Once you receive an estimate from your insurance company, you may begin the process of contracting the work out to a professional. We at Mountain Springs Roofing are very knowledgeable with the process of dealing with hail damaged roofs in Colorado Springs as well as the surrounding cities in Colorado and we can take care of all your needs quickly and professionally. So please do not hesitate to give us a call today: 719-695-0705.