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Hail damage and home insurance coverage: What to know and look for in an Indianapolis roof replacement contractor

Is hail damage covered by homeowners insurance?

hail damage Indianapolis roofing contractorHail damage is covered by most standard home insurance policies but coverage can be applied in a variety of ways. It’s always a good idea to review your hail coverage directly with your insurance provider, but below is a recap of how home insurance typically pays for hail damage to your house and what to do if hail damage is excluded from your policy.

How do I know if my Indianapolis roof has hail damage?

Hail can damage your roof without any visible signs from the ground. Hail normally has to be the size of a golf ball before it will break through your roof or cause bruising. Sometimes these damages do not show up quickly or are easily overlooked. The integrity of the shingle may be damaged, do not take a chance on it. If hail is driven by high winds or if it lasts longer than a few minutes, even small-sized hail can cause your roof to suffer severe damage and the loss of their protective granules, which will greatly reduce the life of your roof. Loss of granule layers will leave the shingles exposed to the suns UV rays. This will cause serious deterioration of the shingle in a short period of time.

Hail and high winds can cause serious damage to your roof and exterior of your home. Indiana Roofing offers a free roof evaluation to verify the extent of your damages and provides estimates and options on deciding if your roof  should be repaired or replaced.

When do I file a hail damage claim?

Getting a proper roof inspection by a qualified roofing contractor is the best place to start. There are many good roofers, that simply don’t know how to inspect for hail damage or work an insurance claim. You need to ensure you a working with a roofing professional with experience working with various insurance agencies in your area. Beware: every state has different policies, so roofers that chase roofing jobs around the country based on areas where hail has been documented may not be well versed in the policies and state requirements here in Indiana.

Time Limits: It is always best for policy-holders to file a hail claim promptly after a storm where you know, or suspect hail was present. The time you have to file an insurance claim varies by insurance company, but most insurance policies limit your time to file a claim, within 12-24 months of the storm. It’s always best to first contact your insurance agent to verify how long you have to file a claim.

The Process: For many standard homeowners’ policies that include hail damage as part of your protection coverage, homeowners file a claim, pay the policy deductible, and then the insurer pays to fix the damage. A deductible is the amount you have to pay toward a loss before your insurance company pays a claim. When deciding if you should file a hail damage claim, you should first be sure that the amount of the insurance pay out exceeds your deductible in order for a claim to make financial sense. For example, if your home has $1,500 worth of hail damage and your insurance deductible is $1,000, it might not be your best option to file a claim. Average hail claims tend to be at least a couple thousand dollars. Light hail damage might not be enough even to meet your deductible, while heavy hail damage, though mostly cosmetic, can total even a brand-new car on your property.

Indiana Roofing offers free roof evaluations to help you determine that amount of damage your Indianapolis property has suffered from hail and is experienced working with insurance agencies and the claims process.

The Insurance Inspection

Insurance adjusters will inspect your roof and exterior of your home for visible signs of damage only. For the roof, they will typically measure out a “Test Square” (10′ x 10′) on different sections of your roof. If they can find a sufficient amount of bruises or breaks for each “Test Square”, the insurance company will typically approve your claim for a new roof.

What if adjuster says there is “no hail damage?”

While it is possible that your roof escaped damage, even when other homes in your area experienced significant damage, it is also possible that something was missed when identifying the roof damage.

Most discrepancies occur when the adjuster has not assessed the same amount of damage as the contractor, whether it is for the roof, gutters, siding or other exterior or interior damage.  So if you have interior damage or other hard to see damages that can be easily overlooked, chances are the adjuster will probably miss it. This is another reason that you need us to represent you during the inspection.

You are entitled to have your contractor of choice represent you during the inspection and adjustment process to expedite the settlement of your claim. Indiana Roofing has years of experience working with insurance companies to properly determine the extent of the damage, clarify pricing and offer a repair price agreeable to the insurance company.

Does filing a hail damage insurance claim mean my insurance rates will increase?

No, not in all cases will your rates increase. Most insurance companies do not raise premiums or deductibles for “individuals” for filing a claim due to hail or wind damage. It is considered an Act of God or Nature. It is not the same as claiming an auto accident.  Weather damage isn’t caused by your negligence, so your insurer typically won’t hike your rate. However, your rate may increase based on the number of claims you have filed.

Homeowner Beware. Do not make your contractor decision based on the lowest roof replacement estimate.

Especially when filing an insurance claim for hail damage, making a decision just based on price will compromises the quality of the roof and does not save you any money in the end.   Fair Market Pricing for roof replacements are used by insurance agencies and lets face it, your insurance company isn’t going to reward you for finding the lowest bid for them. They won’t lower your premiums!  Select an Indianapolis roofing contractor based on who you feel most comfortable with, their reputation (be sure they are local, licensed, bonded and insured!) and their experience in roofing and insurance claims.

If you suspect hail or storm damage on your roof, give us a call for a free evaluation today!

Damon Bryant

800.601.4050 | Ext. 3  or cell:317.361.2551

Email Damon

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How to select an Indianapolis Roofing Contractor for roof replacement

how to pick indianapolis roofing contractorPurchasing a new roof is one of the biggest decisions you’ll ever make for your home, so it’s important that it’s done right and that you have someone standing behind the work for years to come. It’s important to select an Indianapolis roofing contractor that has the proper credentials. Many roof replacement companies chase after storms and come to the area for work and then are gone tomorrow. You want to be sure your roofing contractor is here to stay and is able to be located and reached for years to come.

Standards and requirements you should look for in a roof replacement contractor in Indianapolis:

  • Carry all required state and local licenses.
  • Hold at least $1,000,000 in general liability insurance.
  • In good standing with the Better Business Bureau.
  • Up to date latest industry standards and technology.
  • Certified to offer Roofing System Limited Warranties that provide workmanship coverage

How to Talk to Your Contractor

If you select a roofing contract on your own, you need to make sure you ask all the right questions. Is your contractor up to the job? The Owens Corning contractor checklist will help you know what questions to ask and what level of service you should expect. You may want to print this list and keep it with you when you interview a roofing contractor.

Qualifications of Indiana Residential

  • Indiana Residential is in good standing with the Better Business Bureau, with an A+ rating.
  • Indiana Residential holds at least $1,000,000 in general liability insurance
  • Indiana Residential is an approved Owens Corning Preferred Contractor, an exclusive network of roofing professionals who meet high standards and strict requirements for professionalism and reliability.
  • Indiana Residential carries all required Indiana state and local Indianapolis area licensing and insurance
  • Indiana Residential has extensive knowledge and experience in the latest roofing industry stands, technology and roof color trends.
  • Indiana Residential is dedicated to customer service and offers workmanship guarantee.
Contact us today for a free roof evaluation.

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Importance of Completing Inspection Repairs on Buyer’s Response Prior to Closing

After reviewing and writing estimates on over 13,000 homes we have a few reminders on the importance of addressing buyer’s response on inspection repairs before the closing on the sale of the home:

  1. Major and Safety Repairs.

Major repairs and deferred maintenance can quickly lead to additional issues and further damage to the home if left unrepaired.  Safety issues can lead to harm to the new homeowner and their children.  Agents, buyers and sellers all need to protect themselves. Get it done.

  1. Limits Seller’s Liability.

Completing all the repairs agreed upon by both the buyer and seller limits the seller’s liability to post closing issues, such as complaints, claims or lawsuits.

  1. Buyer’s Assurance.

Completing repairs before closing protects buyers against hidden damage and unforeseen costs that could be exposed when a repair is made after closing.  Buyers want to have peace of mind about their new home and not be surprised with unforeseen issues. When repairs are completed, this provides the buyers the opportunity to have the repairs re-inspected before they take ownership.  Buyers can settle in to their new home knowing that the repairs were done properly.

  1. Negotiating.

When price is negotiated down or money given back at closing we find that often times the new buyer fails to have the repairs made.  The needed repairs come up again when the house is resold.

  1. Storm Damage.

Seller’s insurance company could pay for roofing, siding, or other damage if caught in advance of the sale.

As a leader in our industry, Indiana Residential can provide a quick accurately written estimate, and repairs made correctly, on-time, by professionals.   While others promise results, we provide them.

Contact us and learn how we can be integrated into your process, helping you be more productive and focusing on what you do best, selling homes!

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How To Know If Your Roof Has Hail Damage? Do You Need a Roof Replacement?

While you can’t determine the full extent of hail damage to your roof from the ground, there are some signs that you can look for to help decide if there is a need for a professional to take a closer look at your roof. Hail damage to area roofs is common and the need for a roof replacement or repair can ultimately be determined by an Indianapolis Roofing Contractor when they inspect your roof from on top.

How to check for hail damage to roof without leaving the ground

1.     Indianapolis roofing contractor shows hail damage to sidingDamage to siding, windows, doors and screens.  Look around for dents, cracks, breaks, dings or any other signs that hail may have come in contact with your home. Hail damage will usually dent the soft metals on your roof, i.e. roof vent, exhaust caps, before fracturing shingles. From the ground, you can visually inspect your siding and the vinyl trim around your windows, Most likely, if there is any noticeable damage, small or large, to your siding or windows, the roof would have suffered this impact as well.

2.     Dents on gutters and downspouts.  If hail hit your area hard, your gutters and downspouts may show signs of damage.  Look up at your gutters from the ground for any bends or dark areas that may be dents.  Take a close look at the condition of your downspouts, even small dents or cracks could be a sign there is more damage up top.

3.     Indianpolis roofing contractor shows hail damage to air conditioning unitCheck outdoor appliances for signs of damage.  Examine your outdoor appliances like air conditioning units, grills, and even patio furniture.  Look for dents or excessive water intake. Enough hail abuse can even damage components inside your cooling unit (metal cooling fins). If your air conditioner seems to be working harder and producing less results after a series of storms, don’t rule out hail as a possible factor.  If dents are present around your outdoor appliances, it’s a good sign that you need to take a closer look to the damage that may be present on your roof.

4.     Confirm with historical resources like Weather Underground of the existence and intensity of a storm traveling through your neighborhood.

5.     Review the age and material qualities of your roof. Newer shingles obviously hold up better than older shingles, which have been subjected to natural elements for a longer period of time.  On newer roofs, the class of material used can provide an indicator of how well your shingles may resist hail damage. Class 1 is least hail resistant, Class 4 is most resistant.  Consider these factors when evaluating how likely it is for your roof to have suffered functional damage.

The presence of one or more of these signs may indicate a situation where the homeowner needs a roof inspection to determine the degree of hail damage. Repairs needs can range from simple roof repair to a full roof replacement.


Tips:

·        Be safe when checking roof damage; stay on the ground, consider using binoculars, or call a professional.

·        Take pictures of anything you think may be hail damage before you make temporary repairs.


What to do if you think you have hail damage?

If you’re a homeowner, real estate agent or potential home buyer and you think the property may have hail damage, the first thing you should do is call a professional roofing contractor  for a free roof inspection.  When selecting an Indianapolis area roofing contractor, pay close attention to the contractors qualifications. Consider their product warranties, workmanship guarantees, standing with the Better Business Bureau, amount of liability insurance, and required state and local licensing and insurance.

If the Indianapolis roofing contractor sees signs of hail damage to your roof, you will want to contact your insurance agent and start the process to file an insurance claim. A trained roofing professional can determine whether the roof damage is functional or cosmetic in nature.  Request that your Indianapolis roofing contractor and insurance adjuster inspect your roof together to avoid delays or opposing opinions on the nature and degree of your roof damage.

After identifying the proper repair or replacement needs for your roof, a qualified roofing contractor can complete the roof repairs/replacement to avoid any further damage to your home or property value.  For help identifying hail damage, contact us for more information.

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