25 Jul Is Hail Damage to My Roof Covered by Insurance?
Is Hail Damage to My Roof Covered by Insurance?
Is hail damage to my roof covered by insurance? As Nashville’s leading roofing contractors, we get asked that question a lot! Typically, homeowner insurance policies cover any roof damage that is caused by unpreventable reasons. Unpreventable reasons would be roof damage caused by fire, vandalism, wind, rain and hail. However, that can be many stipulations in your specific policy that will determine the amount of your coverage.
Some insurance carriers have started excluding roof damage sustained on defective or discontinued roofing materials as covered events. While this is not very common, it is a possibility that you need to be aware of when shopping for insurance carriers! In addition, some carriers have increased the deductible for specific events such as hail damage or wind damage to your roof.
Each Insurance Carrier Has Their Own Criteria For Hail Damage Full Roof Replacement
Finally, each insurance carrier has their own specific criteria on what qualifies for a full roof replacement vs a roof repair due to wind damage or hail damage. This is why if you have sustained hail damage to your roof, that you contact an experienced roofing contractor to help you navigate the complicated insurance claims process!
MidSouth Construction is so much more than just roofing contractors! Our experienced staff includes licensed public adjusters, licensed general contractors, skilled estimators and some of the most experienced roofers in the area! This means that no one is more qualified to inspect your roof and determine if your roof damage is covered by your insurance company that MidSouth Construction!
When you contact us regarding potential hail damage to your roof, we will assign one of our professional project managers to inspect your property. They will complete a thorough inspection of your entire property, in addition to your roof! Their experience in working with all insurance carriers will help them determine if your damage qualified for a roof replacement. If your damage is below the standard criteria for a roof replacement, they will advise you of that! You should not file an insurance claim for roof damage unless you are confident that your damage is sufficient enough to qualify for an insurance claim! While we cannot guarantee that your insurance company will always agree with our project managers, our vast experience will give you confidence you need to make that decision!
Roofing Contractors That Specialize in Insurance Claim Roof Replacements!
Once your insurance carrier has agreed that your damage qualifies for a full roof replacement, we then work directly with your insurance company to come to an agreed estimate. Our staff uses the Xactimate software program which is the same estimating program used by the insurance industry! We never argue over the cost to replace your roof with your insurance carrier! We do, however, make sure that each and every line item is properly listed and paid accordingly. We install top quality roofing systems that are built to meet code requirements today! Is hail damage to my roof covered by insurance? Yes, so don’t risk your roof replacement to a roofing contractor who is not experienced in all of the many details of an insurance claim! The insurance adjuster is not a roofing contractor and may miss certain element that we understand are critical to the life expectancy to your roof! We never cut corners and install a lower quality roof because of an incorrect insurance settlement! When you hire MidSouth Construction, Nashville’s certified Master Elite Roofing Contractors, you can rest assured that your roof is built to last and your insurance claim is paid correctly.
Is Hail Damage to My Roof Covered by Insurance? The answer is yes! Contact us today at 615-712-8893 and request a free, no obligation roof inspection!