Does My Insurance Cover Roof Hail Damage?

May 24, 2020

Your home is the biggest investment you’ll make in your lifetime. So you want to keep it safe. This is where homeowner’s insurance comes into play. But when the skies open up and golf ball-sized pieces of hail start hammering down on your house, will this type of insurance cover the damage?

Here is the low-down on roof hail damage and insurance from the Wynnewood roofing experts at Bailey’s Roofing.

Does Homeowner’s Insurance Cover Hail Damaged Roof?

If your Wynnewood, OK home recently suffered hazards from hail, you may be wondering, “Will insurance cover hail damage to my roof?” This is especially true for your community, since Oklahoma is one of the top five states that is affected by hail damage.

The easiest way to know if your home is covered is to contact your insurance provider. There are a lot of factors that your coverage will depend upon, including how old your roof is and where you live. It’s always good to know the specifics of your individual policy.

The good news is that most homeowner insurance plans do cover roof hail damage. It’s typically covered under what is known as the “dwelling protection coverage,” or “Coverage A.”

This type of insurance will pay for the rebuilds and repairs of your home and anything that is attached to it if a named peril caused the damage. This can include fire, windstorms, lightning, and yes, hail.

Roof Hail Damage and Insurance Claims

It’s important to know how to file a hail damage claim in order to get reimbursed for the damage to your home.

You must file a claim within one year of the hail damage. Additionally, you need to take these steps in order to file an insurance claim immediately after the hailstorm:

  • Note the exact date and time of the storm.
  • Take pictures of everything that was damaged.
  • Look for signs of damage on your roof, such as missing shingles.
  • Get your tape measurer and place it next to a hailstone on the ground and take a picture.

Contact a Qualified Roof Repair Company

Roof hail damage covered by insurance will pay for the rebuild and repair of your home. But it is in your best interest to contact a reputable and qualified roofing repair company to get the job completed.

Be sure that you’re hiring a roofing company that is factory-certified. The two most common certifications to keep an eye out for are CertainTeed Premier and GAF Master Elite.

After you find a company, make an appointment and be sure to be at home when they arrive. During the inspection, the roof repair contractors will determine how much it will cost to repair the hail damage to your home.

Your Trusted Local Roofing Contractor

If you’re a Wynnewood resident that has suffered from roof hail damage, contact the trusted roofing experts at Bailey’s Roofing today. With over 20 years of experience, we will ensure that your roof is repaired promptly so that you can get back to your life.

Call us today for a free estimate. We look forward to hearing from you.

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