DOES HOMEOWNER’S INSURANCE COVER HAIL DAMAGE?
Does homeowners insurance cover hail damage? YES! Your homeowner’s insurance policy should cover the costs to repair damage caused by weather events like a hailstorm. It should, in that same vein, also cover things like wind damage to siding or trees.
The first step that you should take if you believe you’ve received hail damage, is to get in touch with your insurance company. Calling out a roofing contractor first is an option, but you’d still need to go through your insurance first to get your claim approved, instead of trying to reach around them.
If your roof is newer, you’ll have a much harder time getting your insurance company to replace your roof, as there’s a much lower chance it actually needs to be replaced. If your roof is getting close to the end of its life, however, your insurance company may cover the full cost of a replacement, as it will reduce the chance of them having to pay for more serious weather-related repairs in the future.
HOW DOES THE INSURANCE PROCESS WORK?
After going through a severe storm here in Michigan can leave you worried about the state of your roof. If you have homeowner’s insurance, you can file a claim with your insurance company to cover any necessary repairs. After giving them all the necessary information, they’ll send an adjuster over to inspect your roof, but remember the insurance adjuster works for the insurance company and does not have your best interest.
The insurance process can get even more difficult if the cause of your roof damage isn’t immediately apparent. For example, if a tree falls through your roof, do whatever you can to make sure your insurance pays for the replacement.
But in less obvious circumstances, getting help from your homeowner’s insurance company can be challenging.
If you think you damage to your roof, you may be eligible for insurance to cover your roofing project, then we recommend reaching out to your insurance agent directly to discuss a potential claim. Depending on your policy, once your claim has been approved, you’ll get an insurance check for your roof’s ACV or RCV. Below is a breakdown of each policy:
Actual Cash Value (ACV): This is the depreciated value of your roof. If this is your policy, it means your insurance company will only send you a check for the value of your roof today.
Replacement Cost Value (RCV): This means your insurance company will pay to replace your roof. You’ll first receive a check for the ACV of your roof before repairs are completed. They’ll hold back the amount they calculate that your roof has depreciated. This is called recoverable depreciation.
Recoverable Depreciation: This is the final check your insurance company will send you after you show proof that all the work has been completed. As stated earlier, this is the amount that your insurance company has determined that your roof has depreciated during its lifetime. If you don’t have the work done, they don’t have to pay you for the depreciated part of the claim.
Our 24/7 Emergency Hail Damage Response Protocol
Select can respond anywhere in Macomb County in under 1-hour or less to secure your property and prevent further damage after any storm. All our emergency marked vehicles that show up on-site are equipped with electrical generators and supplies to boardup windows & tarp roofs. Hail Damage here in Michigan can come without warning and turn your property upside down. Select Restoration specializes in hail damage roofing & siding insurance claim repairs. We service residential and commercial properties.
“Don’t Panic, We assist with your insurance adjuster, prepare a detailed hail report and estimate, then settle the claim.