Tips for Ensuring Payments from an Insurer to Properly Replace a Hail Damaged Roof:
- Immediately notify the carrier of all damage.
Hail damage is deceptive and can be quite expensive to fix. If you live in an area prone to severe weather and have a low slope or flat roof with asphalt shingles, you are in the high-risk category. The good news is that most homeowners insurance policies cover damage from hail.
In the United States, hail is most prevalent where Colorado, Nebraska, and Wyoming meet—an area known as Hail Alley. Hail is possible within two nautical miles of the parent storm in any thunderstorm, meaning hail can occur practically anywhere if the natural conditions permit.
Insurers may try to argue the damage suffered from a hail storm does not fit the conditions necessary for a claim. At FPJL, we fight for policyholders to hold their insurers accountable to fulfilling their promise to protect your property from damage, including damage occurring from hail.
Policyholders must meet post-loss obligations under their property insurance policy prior to receiving coverage for a loss. A common condition precedent requires policyholders to provide prompt notice of the loss to their carrier.