For those who live in states where hail happens frequently – especially in the Front Range – you already know it can knock the life out of your roof. And hail damaged claims increased 84% between 2010 and 2012 according to the National Insurance Crime Bureau.
The problem is, your insurance company knows that too. And rather than paying out on a hail related claim, they are often looking to cut their losses.
So how do you know if your insurance company is cutting hail claims?
Here are three changes in your renewal policy to look for:
- Eliminating coverage for roofs over 10 years old.
- Adding a separate hail deductible to your policy.
- Refusing to cover cosmetic damage like dents in metal roofs, siding, or copper trim.
- Noting the age of your roof before writing a policy.
- Not covering roofs made from outdated shingles. (You can’t buy replacement shingles for patches.)
- Only covering partial roof repairs instead of replacing your whole roof.
So what can you do?
Here are three ways to limit your home’s hail damage:
- Use materials that are rated by UL 2218 or FM 4473 as Class 3 or 4 – which means
they’re proven to withstand hail storms.
- Use materials rated for the wind speed in your area.
- Use a roofing contractor that is experienced in hail damage claims.
As a homeowner the best protection you have is to become informed. Read your policy carefully to understand just what your insurance company covers and what they don’t.
This article is brought to you by ASAP Roofing, a national leader in hail-damage, weatherization and exceptional customer service.