Hail, tornadoes and urban floods have been added recently by most insurers to the list of risks to which our assets and lives are exposed. Such phenomena considered “catastrophic” were not so common in the past and generally occurred only in certain areas. But now, due to climate changes, these phenomena have multiplied.

Unlike other types of roof damage, hail damage often remains undetected, especially on textured roofing materials (e.g. dimensional/ architectural shingles). Besides, even when they are visible, homeowners often ignore them, considering them not much of a threat. Unfortunately, they are wrong.

It is very important to have insurance policy covering roof hail damage – and here are a couple of very common questions people have about it:

How much coverage will I get for hail damage?

The amount you can expect to receive for repairs depends on several factors, including the limits and deductibles. If the coverage doesn’t seem fair, you have the option to hire a public adjuster to represent your interest in the relations with your insurance company. They will get you the maximum possible.

Can I call a roofer before contacting my insurer, in the case of severe hail roof damage?

Yes, you can. Actually, this is the recommended course of action. Just make sure the roofer you work with is licensed such as https://boext.com/services/littleton-roofing-services/, otherwise you cannot use its expertise when making your claim.