How to File a Hail Damage Insurance Claim
1. Contact your insurance company
Most people go a lifetime without having to file a homeowners claim. Unfortunately, sometimes hail can cause serious damage requiring a claim to be filed. Call your insurance company’s claims department and file a claim for wind and hail damage. There will be a customer service number for property claims on your policy or recent statement. Your agent is not going to be able to help expedite the process, since you are the policy holder it will be you who has to call and make the claim. Once in contact with the correct department, you will have to inform them of the exact date and time the damage occurred.
2. Your insurance company will assign an adjuster to your claim
Your insurance company will assign an adjuster to your claim who will call you to set up an appointment to do a property inspection and damage assessment. This can take up to 48 hours at times, and potentially longer if there was a major storm event to produce a high volume of claims. The adjuster will assign you a claim number and let you know when they will be coming to inspect your property and assess the extent of the damage.
3. Things to make note of when you talk to your adjuster
- Claim Number
- Date and time of the inspection
- Adjuster’s name and phone number.
4. After you hear back from the adjuster, contact Peak Exteriors
Contact Peak Exteriors and give them your information you received from your adjuster.
Peak Exteriors project managers are trained to identify hail damage and also know what it takes to complete your roofing project. The insurance company’s responsibility is to bring your home back to the pre-storm condition and we will help to make sure your project is done correctly and in line with the current building codes and regulations.
5. We will take care of the details with the insurance company
Peak Exteriors provides your insurance company with a full scope of the damage to ensure that there are no discrepancies on the actual work needing to be done. We can almost always complete the repairs at the pricing provided by the insurance carrier as long as we can agree on the scope of work
6. Claim Settlement
Once the claim estimate for repairs is finalized the insurance company will usually mail a copy to you. It can take 7-10 days to receive this information but it is important not to start work prior to receiving written approval. Contact your Peak Exteriors projecty manager once you receive the packet and schedule an appointment to review it and get your project scheduled for production.
7. Closing the Claim
Once the repairs are finished your Peak Exteriors project manager will do a final walk through of the job site to ensure quality and completion and provide a Certificate of Completion for you to sign. This will be submitted to your insurance company to notify them that the work is completed and in some cases is needed for the insurance company to release the final funds to pay for the repairs.