Will Homeowners Insurance Cover Hail Damage to My Roof?

Does homeowners insurance cover hail damage?

A hailstorm can wreak havoc on your home, particularly the roof or other exposed portions of your property. In states prone to hailstorms like Texas, it is common for most homeowner insurance policies to cover hail damage. How your coverage is applied may vary based on where you live, your insurer and how your policy is set up. Most standard policies have a time limit in which a claim must be filed. Typically, you will have to file a claim within one year of the hail damage. Be sure to contact your insurance agent or insurance company to ensure you are covered and are aware of any limitations or time limits to file claims.

Will insurance rates go up due to hail damage claims?

There are many questions and concerns that arise before filing a claim. Many are often afraid that their insurance rates will increase due to a hail damage claim. Will insurance raise your rates? Your insurer typically won't raise your rate due to weather damage since it isn't caused by your negligence. However, your rate may go up if you’ve filed a claim within the past three years, and the hail claim is your second claim.

An insurance company may charge everyone in a geographic location a higher base rate compared to locations where hail is infrequent. It's important to note that some states, including Texas, prohibit home insurers from raising rates after just one claim.

What should you do if you have hail damage to your roof?

Now that you know your insurance will cover your roof damage, the most important thing you can do is find an expert who will advocate for you. The insurance claims process can be long, overwhelming and confusing to most homeowners. At Corey Construction, we specialize in in repairing and replacing roofs in Texas and and work closely with insurance companies on a regular basis. We will work diligently to maximize all aspects of your claim for your benefit. You can enjoy peace of mind knowing that our team will help you navigate through the insurance claims process and make sure that your entire roofing system is replaced to a better-than-before state with minimal out-of-pocket expenses.

If you suspect that your home and roof have suffered hail damage or if there has been a hailstorm in your area, we encourage you to contact us to schedule a free inspection. We will make the process as easy as possible and make sure that your roof is properly repaired or replaced quickly to protect your home from further damage. If you need immediate assistance, call (855) 752-6739. Our Texas offices in Austin, Dallas, Houston and San Antonio can help you with all of your roofing needs.

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