Will Insurance Pay for Hail Damage to Metal Roof?: Understanding Coverage and Claim Processes for Roofing Damages

How to Get Your Insurance to Cover Hail Damage to Your Metal Roof

Hail storms can cause significant damage to your metal roof, leaving dents, cracks, and holes that compromise its structural integrity and aesthetic appeal.

If you have experienced hail damage to your metal roof, you may be wondering if your insurance will cover the repair or replacement costs.

The answer depends on several factors, such as the type of policy you have, the extent of the damage, and the age of your roof.

In this article, we will explain how to get your insurance to cover hail damage to your metal roof, and what steps you should take to ensure a smooth and successful claim process.

metal-roof-dents-from-hail-damage
metal-roof-dents-from-hail-damage
Photo Courtesy: authenticrestoration.biz

 

What You Need to Know About Hail Damage to Metal Roofs

Metal roofs are durable, energy-efficient, and long-lasting, but they are not immune to hail damage.

Hail can vary in size, shape, and density, and can strike your roof with great force, especially during severe storms.

Depending on the impact, hail can cause different types of damage to your metal roof, such as:

  • Cosmetic damage: This refers to minor dents or scratches that do not affect the functionality of your roof, but may reduce its curb appeal and resale value.
  • Functional damage: This refers to major dents, cracks, or holes that compromise the water-tightness, insulation, and structural integrity of your roof, and may lead to leaks, rust, mold, or rot.
  • Total loss: This refers to extensive damage that renders your roof beyond repair, and requires a complete replacement.

The type and extent of the damage will determine whether your insurance will cover the costs, and how much they will pay.

The main thesis of this article is that you can get your insurance to cover hail damage to your metal roof if you follow the right steps listed below and work with a reputable roofing contractor.

Hail Damage to Metal Roof
Photo Courtesy: atozroofingdenver.com

 

Steps to get your Insurance to Cover Hail Damage to your Metal Roof

Here are some of the steps if you follow you can get your Insurance to cover hail damage to your metal roof.

Step 1: Review Your Insurance Policy

The first step to getting your insurance to cover hail damage to your metal roof is to review your policy and understand what it covers and what it excludes.

Different policies may have different terms and conditions regarding hail damage, so you need to read the fine print carefully and look for the following information:

Deductible

This is the amount of money that you have to pay out of your pocket before your insurance pays the rest of the claim. For example, if your deductible is $1,000 and the repair cost is $5,000, you will have to pay $1,000 and your insurance will pay $4,000.

Coverage limit

This is the maximum amount of money that your insurance will pay for a claim. For example, if your coverage limit is $10,000 and the replacement cost is $15,000, you will have to pay $5,000 and your insurance will pay $10,000.

Depreciation

This is the reduction in the value of your roof over time due to wear and tear, aging, and environmental factors. Some policies may apply depreciation to your claim, which means that they will pay less than the actual cost of repair or replacement, based on the age and condition of your roof. For example, if your roof is 10 years old and has a lifespan of 20 years, your insurance may only pay 50% of the cost, assuming that your roof has depreciated by 50%.

Exclusions

These are the situations or circumstances that your policy does not cover, and that may void your claim. For example, some policies may exclude cosmetic damage, or damage caused by neglect, improper installation, or lack of maintenance.

You should also check if your policy has a hail endorsement or a hail exclusion.

A hail endorsement is an optional add-on that provides additional coverage for hail damage, usually for an extra premium.

A hail exclusion is a clause that excludes or limits coverage for hail damage, usually to reduce the premium.

If you have a hail endorsement, you may have a higher chance of getting your claim approved and paid. If you have a hail exclusion, you may have a lower or no chance of getting your claim approved and paid.

 

Review Insurance policy
Photo Courtesy: jackstoneinsurance.com

 

Step 2: Document the Damage

The second step to getting your insurance to cover hail damage to your metal roof is to document the damage as soon as possible after the storm.

This will help you prove the cause and extent of the damage, and support your claim. You should do the following:

Take photos and videos

Use your smartphone or camera to take clear and detailed photos and videos of the hail damage to your metal roof, from different angles and distances. You should also take photos and videos of the hail itself, if possible, to show its size and shape. Make sure to include a date and time stamp on your photos and videos, or use a newspaper or a calendar as a reference.

Make a list

Write down a list of all the damaged areas and items on your metal roof, such as panels, shingles, flashing, vents, skylights, etc. You should also note the severity and location of the damage, such as minor dents on the ridge, or large holes on the valley.

Keep receipts

If you have any receipts or invoices for the installation, repair, or maintenance of your metal roof, keep them in a safe place. They will help you show the original cost and condition of your roof, and calculate the depreciation and replacement value.

Step 3: Contact Your Insurance Company

The third step to getting your insurance to cover hail damage to your metal roof is to contact your insurance company and file a claim.

You should do this as soon as possible after the storm, as some policies may have a time limit for filing claims.

You should also be prepared to provide the following information:

Your policy number and personal details

You will need to identify yourself and your policy to your insurance agent or representative, and answer some basic questions about your contact information, address, and property.

The date and time of the storm

You will need to specify when the hail storm occurred, and how long it lasted. This will help your insurance company verify the weather records and the cause of the damage.

Photo Courtesy: mldagencyinc.com

 

The details of the damage

You will need to describe the type and extent of the damage to your metal roof, and provide the photos, videos, list, and receipts that you have collected.

You should also mention if there are any other damages to your property, such as windows, siding, gutters, etc.

The estimated cost of repair or replacement

You will need to give an approximate figure of how much it will cost to fix or replace your metal roof, based on the current market prices and the availability of materials and labor.

You can use online calculators, or get quotes from roofing contractors, to get an idea of the cost.

Your insurance company will then review your claim and assign an adjuster to inspect your roof and assess the damage.

The adjuster will visit your property, take measurements, photos, and samples, and write a report with their findings and recommendations.

They will also give you an estimate of how much your insurance will pay for your claim, based on your policy terms and conditions.

Step 4: Hire a Reputable Roofing Contractor

The fourth and final step to getting your insurance to cover hail damage to your metal roof is to hire a reputable roofing contractor to perform the repair or replacement work.

You should not attempt to do the work yourself, as you may cause more damage, invalidate your warranty, or jeopardize your claim.

Not only that, but you should also not hire the first contractor that knocks on your door, as they may be unlicensed, uninsured, inexperienced, or fraudulent.

You should do the following:

Do your research

Look for roofing contractors that have a good reputation, a valid license, a sufficient insurance, and a proven track record of working with metal roofs and hail damage claims.

You can use online directories, reviews, ratings, referrals, or testimonials to find reliable contractors in your area.

Get multiple bids

Contact at least three roofing contractors and ask them to give you a written estimate for the repair or replacement of your metal roof.

The estimate should include the scope of work, the materials, the labor, the timeline, the warranty, and the payment terms.

You should compare the estimates and choose the one that offers the best value, quality, and service.

Photo Courtesy: gaf.com

 

Check with your insurance company

Before you sign a contract with a roofing contractor, you should check with your insurance company and make sure that they approve of your choice.

Some insurance companies may have preferred contractors that they work with, or specific requirements that the contractor must meet.

You should also ask your insurance company if they will pay the contractor directly, or reimburse you after the work is done.

Supervise the work

Once you hire a roofing contractor, you should monitor the progress and quality of the work, and communicate with them regularly.

You should also inspect the final result and make sure that it meets your expectations and standards.

You should also ask for a receipt and a certificate of completion from the contractor, and submit them to your insurance company as proof of work.

Conclusion

Hail damage to your metal roof can be a stressful and costly situation, but you can get your insurance to cover it, if you follow the right steps and work with a reputable roofing contractor.

You should review your policy, document the damage, contact your insurance company, and hire a roofing contractor, and you will be able to restore your metal roof to its original condition and beauty.

 

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