Hail Damage or No Hail Damage?? That is the Question
If you have recently experienced a significant hail event in your area, you’re probably wondering if it caused damage to your home. BEFORE YOU CONTACT YOUR INSURANCE COMPANY, please consider the following:
Your claim history, like your credit score or driving record, follows you (and your property) for life. It’s worth protecting. Claim frequency is one aspect of how an insurance company evaluates risk. Too many claims (whether approved or denied) can result in the non-renewal of your insurance policy.
Know your deductible. Many insurance companies offer a “percentage deductible” specifically for wind and hail losses. You may have a percentage deductible and not even know it. Read your policy and speak to your insurance agent to learn more about your deductible before you file a claim. If your roof has only marginal damage, you may not want to file a claim at all.
Unfortunately, these types of large-scale storms attract contractors from all over the country. If you are approached by someone offering to inspect your roof, please check out their reputation online, and DON’T SIGN ANYTHING! Some contractors may tell you that in order to meet with your insurance company you need to sign a “Subject To” agreement (subject to insurance claim approval). This is absolutely unnecessary! While it is a good idea to have a contractor present at the time of inspection, you don’t need to sign anything. These types of documents are intended to oblige you to use their company and rarely contain any language friendly to you, the homeowner. Read everything very carefully, on both sides of the contract or agreement, before you sign anything!
If you feel uncomfortable with something you’ve already signed, call the Virginia Department of Professional and Occupational Regulation, or visit their website at http://www.dpor.virginia.gov/, to understand your rights.
My name is Mike Fontaine, and I am the Owner of Commonwealth Roofing & Siding. We are a local, family-owned and operated Virginia-based business with over thirty years of experience in the building and construction industry. I am professionally certified and trained, through HAAG Engineering, to inspect roofs for storm-related damages (just like your insurance adjusters) and have been providing roof and hail inspections to insurance companies for over 17 years.
My company would be happy to inspect your roof and provide you with an honest assessment, free of charge or obligation. Please check us out at www.uncommonquality.com and read all of our reviews on Yelp!, Angie’s List, Google Plus and Facebook. You’re welcome to call us at 703-261-6656 to schedule your inspection today!