Spring is here. Baseball, wildflowers and seasonal allergies are upon us.
Out of the south, winds will gather steam, giant clouds will dominate the skies and give birth to every insurance agents worst nightmare . . . hailstorms like you wouldn't believe. You may have seen it tonight. People like Pete Delkus shedding their suit coats as the rotation clouds increase and the frozen objects fall from the sky. It's all fun and games until Pete sheds his coat of course.
Are we being dramatic? To a degree, but that doesn't nullify that we at Insurance For Texans have helped a myriad of homeowners with home insurance claims based on hail damage done to their home. The home of True Texas Home Insurance has definitely worked to make sure that homes are reassembled and out of pocket costs are minimized as much as the law in Texas will allow.
In fact, we've seen this enough to even advise what to do and not do after a hailstorm. Let's take a look at best practices when the airborne ice-rocks come falling and calling.
Texas Home Insurance Hail Storm Check List
1. Do not, under any circumstances, ever, ever, ever think about letting a roofer file a claim on your behalf!! If there was a cardinal rule to hail claims, this is it. Most roofers have one goal in mind, MAKE MONEY. Your claim history matters not to the roofer who is knocking on your door the day after a storm. Work that puts money in his pocket does. Who pays the consequences if the claim is denied because a roofing claim was not warranted? You. And your prior new best friend couldn't care less if you end paying extra on premiums out of pocket due to a denied claim.
2. Do only work with roofers who have a great reputation of doing things the right way and steer clear from those promising to pay your deductible. Texas has outlawed the practice of not charging you a deductible. They are asking you to break the law if they don't make you pay it. And any guy named Chuck can put a sign on his truck and mean bad luck faster than a chicken can cluck and make you say what the heck when he runs off with your deposit money. Only reputable roofers. We can't say this enough.
3. Just because you hear the hail falling doesn't automatically mean "new roof" unlike Chuck wants you to believe. You need to have significant damage. How is this determined? By the number of hail strike markings within a square chalked on your roof. Yes, there is an actual measurement that is performed if it is not obvious. Most insurance adjusters don't deserve the bad rap they get from time to time. They aren't out to get you. They are simply looking for situations where roofing repair is necessary to protect or repair your home from existing or future damage. Help them help you to properly assess by hiring a quality and REPUTABLE roofer to inspect the roof prior to filing the claim.
4. Hail can make small problems turn into big problems, especially when it involves ceilings and water leaking through from the outside to the inside. Attic spaces, closets, decking - all of this can mask hidden damage and add up to a problem much larger later on. After a storm, it always makes sense to check those attic spaces and decking to see if water has seeped in through places that are not readily visible to the naked eye. Water in hidden spots means the eventual forming of mold, and you don't want to add that remediation on top of other repairs.
Ron Wadley is an owner and General Solver of Problems for Insurance For Texans. Ron is a resident of North-East Tarrant County in the Dallas-Ft Worth area. He loves riding his many bikes and watching his Baylor Bears play football and basketball. Send him your insurance questions at email@example.com.