Minnesota is one of the country’s leaders in hail storms per year. Therefore, you should have hail damage roof insurance to protect your home from costly repair expenses due to hail.
However, a lot of people do not know if their insurance plan covers hail damage. Allow us to explain the importance of hail damage roof insurance and how to file a claim efficiently.
Elite Remodeling Services proudly serves the Eagan and Twin Cities, MN, communities with expert roofing services. Our contractors can help work with your insurance provider to get you the most coverage for hail damage. We have decades of experience working with insurance companies and are happy to alleviate the stress of filing a claim.
Our experienced Eagan, MN, roofing contractors can help you navigate the hail damage roof insurance claims process. Call Elite Remodeling Services at 952-646-2480 for a free estimate!
Will Roof Insurance Cover Hail Damage?
As its name implies, roof insurance protects your home from hail damage repair costs. When your home or business experiences hail damage, you must file a claim immediately.
But first, you need to know if your homeowner’s policy covers this type of damage. Most home insurance policies will cover expenses associated with hail damage.
Minnesota is one of the top 4 states in total hail claims, meaning it is likely that your insurance provider will pay off your repair expenses. However, it is wise to contact your insurance company to make sure hail damage is a part of your existing coverage plan.
Plus, because hail is frequent in Minnesota, insurance providers often increase deductibles. Because of this, it is not always wise to file a claim for hail damage.
If the deductible amount is equal to the cost of repairs, it doesn’t make sense to file an insurance claim.
The Claim Process
The hail damage claim process can be daunting. That’s why we recommend hiring a professional roofing team to inspect your home before you move forward in the claims process.
Roofing contractors can assess your home damage and come up with an estimate for the repair costs. Plus, they can determine whether you would benefit from filing a claim. If you move forward with filing, a contractor knows the best methods to get you the most coverage possible.
Once you submit photos and speak to your insurance provider, the insurance company will send an insurance adjuster to analyze your home’s damage. We recommend that you invite a roofing contractor to join this meeting, so they can make sure you’re not getting a raw deal.
If you get approval for your claim, you can hire a contractor to begin work on your home. Typically, you can move through the hail damage roof insurance claims process within one week.
To recap, here are the steps to follow to file a claim:
- Photograph the damage
- Talk to your insurance provider to see if your coverage plan covers hail damage
- Consult a roofing contractor
- Meet with the adjuster
- File your claim
- Hire a contractor to start repairs
How To Prevent Damage To Your Roof
While it is hard to prevent hail damage to your roof, you should always work with a reliable roofing contractor to handle all of your roofing needs.
One thing we recommend Eagan, MN, homeowners to do is to remove any overhanging tree limbs. During severe weather, these limbs may break off and damage your roof. The fewer obstructions, the less potential for roof damage there is.
Also, check your attic to ensure there is no interior damage. Water can build up, causing harmful mold growth and structural damage.
Contact Elite Remodeling Services
As you can see, an expert roofing contractor can help you tremendously in the claim filing process. Don’t put yourself at the mercy of insurance adjusters. With a roofing contractor by your side, you can ensure you are getting a fair deal.
Elite Remodeling Services is happy to help walk you through the hail damage roof insurance claims process. Our contractors have decades of experience helping Eagan, MN, homeowners get the most coverage for their claims.
If you experience hail damage to your home, don’t hesitate to give us a call at 952-646-2480 during business hours for free repair estimates!