How Long Do I Have to File A Claim for Hail Damage to My Roof?

An Unexpected Event.

It happens out of nowhere and its often completely unexpected. It can happen on a clear day or a rainy day. Suddenly out of the blue dime sized to baseball sized balls of ice descend from the sky and strike your property, your car, and your home. Hailstorms though uncommon in our area, befall nearly on an annual basis and when they do many homeowners are left feeling worried and perplexed regarding what to do after the storm. Our customers always have a multitude of questions regarding hail damage to their roof and how exactly to proceed through the insurance process. United Contractors Roofing has been assisting clients with storm damage restoration and insurance claims mitigation for several years, and one of the most common and important questions we receive from homeowners is; How long do I have to file an insurance claim for hail damage to my roof?

And the Answer is…

Tough this is one of the most frequently asked questions, there is unfortunately not a concrete answer as this is always dependent on your particular insurance company and the specific terms of your policy. Generally, most companies allow for a time frame of up to one year from the date of the event. Although it can be longer or shorter depending on the particular policy and provider. The best course of action is certainly to file your claim as close to the date of the event as possible, but often homeowners are oblivious to the fact that a hailstorm has taken place, or they are unaware of the severity of the damage that hail particles can inflict upon their roofing system. It is not at all uncommon for us to discover damages to roofs several months after storms have taken place, and we often are able to secure insurance approvals for our customers up to a year or more after the event. We are currently servicing homes on a weekly basis that were damaged as a result of the severe hail storm which occurred in the Myrtle Beach, Briarcliff, Socastee, and Surfside beach areas on March 20, 2018.

How To Take Action.

Regardless of the timeframe from the date of the storm, you should first contact a Local and Reputable Storm Damage Restoration Contractor in your area as soon as possible and schedule a time to have your home’s roofing system inspected and evaluated. A professional qualified roofing consultant is your best solution in determining the extent of damages to your home as a result of the storm. Their trained and attentive eye will be paramount in verifying coverable damages to your roof. Even if you have already filed a claim and had your roof “inspected” by your insurance company’s adjuster, it is advisable to seek the opinion of a qualified and experienced roofer. They are often able to spot areas of damage that may have been overlooked or disregarded by the adjuster. You owe it to yourself to retain the opinion of a skilled roofer as your insurance company will often try to cover as little damage as possible and many times seek to deny qualified claims altogether.

Filing a claim.

If after having an inspection performed by a qualified roofing contractor it is determined that you do indeed have coverable damage to your roofing system, this is the point when you should contact your insurance company and begin the claims process. They will send an adjuster out to your home to perform an inspection. You have the option to have your roofing contractor present as this meeting as well. Your roofing contractor should be there to point out his findings to the adjuster and to help facilitate the proceedings on your behalf. Afterall their trained eye has already discovered and recorded the extent of the damages. Your roofer is there to act as your advocate during the process. Remember that your insurance company is interested in paying out as little money as possible to affect repairs. Having the opinion of an ally and advocate such as United Contractors Roofing is an invaluable asset to homeowners throughout the insurance claims process. We are often able to assist homeowners with the filing process and with obtaining approvals. Our relationship with adjusters and insurance companies is unsurpassed, as we have been involved with the process for many years. Our experience and determination in assisting our clients with maters related to wind and hail roofing replacements has served to establish us as the Grand Strand area’s premiere storm damage restoration, and insurance mitigation specialists.

Don’t Delay Call Today.

As stated, most companies allow for a timeframe of up to twelve months to file a hail insurance claim. The cutoff date for the most recent storm is fast approaching but it is not to late to have your home inspected and to determine if your home qualifies for a roof replacement. You owe it to yourself for your own piece of mind to call and set up an appointment with the region’s top-rated roofing service provider. Many homeowners are unaware of the significant damage that hailstorms can cause to the integrity of their homes roofing system. The damages are far more than cosmetic and should be addressed by a roofing contractor as soon as possible. If you live in Myrtle Beach or any of the surrounding communities and suspect that your home has sustained damages as a result of a hailstorm, make the smart choice that Grand Strand residents have made for over 15 years and call the experts at United Contractors Roofing. We are always willing and available to assist clients with storm damage detection, insurance claims assistance, or any other roofing services.

Call Us Today (843)455-4350






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