Oh, Hail No! What to Do After a Hailstorm

A hailstorm just blew through your neighborhood, potentially leaving your roof and windows in its wake. Dealing with the aftermath of a storm can be stressful, but knowing the right steps to take can make the recovery process much smoother.

Initial Steps After the Storm

When the storm has passed and it is officially safe to go outside, you should immediately inspect your property for any damage to your car or home. I recommend contacting your insurance agent right away if you suspect hail damage has occurred.

As your agent, I know the “ins and outs” of your specific policy and can help you determine whether you should file a claim to cover the cost of repairs. To help your agent and the insurance adjuster, be sure to:

• Record the date and timeframe of the storm.
• Take photos of the damage to support your claim.

Identifying Common Signs of Hail Damage

Hail damage often appears in common areas like the roof, siding, windows, outdoor furniture, and vehicles.

Damage to Your Vehicle

• Chipped or cracked windshields.
• Dents on the roof or other body panels.
• Minor dings or paint scratches.

Damage to Your Home

• Dents in gutters or outside vents.
• Chipped or cracked windows or skylights.
• Damage appearing prominently on one side of the roof.
• “Bruises” or dark spots on shingles in a random pattern.

While some damage is easy to spot, it can be difficult to tell the difference between hail impact, installation errors, or manufacturing defects. A trained insurance adjuster, such as those at Erie Insurance, is skilled at diagnosing these problems and distinguishing hail damage from regular wear and tear.

Hiring a Reliable Contractor

As you begin searching for a contractor to handle repairs, keep these tips in mind to avoid common scams:

• Get multiple estimates: Don’t rely on a single quote. Research and get estimates from three to four different contractors to ensure you are getting fair pricing and quality work.
• Verify credentials: Always ask to see their license and proof of insurance. Ensure both are authentic and up to date.
• Check references: Ask if they have worked on similar projects and if their previous customers speak highly of them.
• Watch for Storm Chasers: Beware of fraudulent roofing contractors who emerge after a storm. These “storm chasers” may pressure you into a quick decision or make offers that seem too good to be true.

Understanding Your Coverage

Hail damage can cost hundreds or even thousands of dollars, depending on the severity of the storm. Generally, most homeowners’ policies cover damage from hail and wind. However, because coverage can vary, it is vital to check the specifics of your policy with your agent.

Uncertainty is a part of life, but that is exactly why you have insurance. At Cellucci Foran Insurance, we can explain the options available through Erie Insurance and help you get a customized quote for your home.