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Protecting Your Home: A Step-by-Step Guide to Filing a Hail Damage Insurance Claim

A roof of a home experiences rain and hail.

This spring, severe weather has wreaked havoc across many areas. From flash flooding to tornadoes and hailstorms, homes have been put to the test. If you have homeowners’ insurance, you must know how to file a claim if your property has suffered hail damage.

Here’s a step-by-step guide to help you navigate the process:

  1. Don’t Waste Time – Act promptly: Your home is your sanctuary. If you’ve experienced serious hail damage, don’t delay. Broken windows or a leaky ceiling won’t fix themselves. Address the issues immediately to prevent further complications, such as pests infiltrating your home. It’s important that you turn a claim into your insurance in a timely manner. Most policies require a claim to be turned in within 12 months of the date the damage occurred. If it isn’t, then the claim can be denied.
  2. Document Everything
    • Take photos: Capture visual evidence of the damage. Photographs will support your homeowners’ insurance claim.
    • Create an inventory: List the items that sustained damage. Note how severe the damage is. This detailed record will assist your insurer.
  3. Consult a Contractor: Hire a contractor, especially one specializing in roofing. They’ll inspect your roof and provide crucial details about the extent of the damage. The more information you gather, the stronger your claim will be.
  4. Contact Your Insurance Company to File your claim: Armed with documentation, call your insurer to initiate the claims process. While we can assist you, it’s often more efficient to contact your insurance company directly. They’ll need all the necessary details about your loss.
  5. After You Call
    • Prioritize repairs: Don’t delay fixing the damage, especially if it’s severe. Temporary repairs can prevent the situation from worsening and save you time and money in the long run.
    • Track expenses: Keep records of your out-of-pocket costs, even if you receive an upfront payment from your insurer. These receipts ensure you’re fully reimbursed for the repairs.
    • Consider additional expenses: If your home is uninhabitable due to hail damage, you may need to stay in a hotel or dine out. Check if your homeowners’ insurance policy includes “loss of use” coverage, but remember to keep those receipts.

Contact Chastain Otis for Homeowners’ Insurance Assistance

If you’re seeking a homeowners’ insurance policy to safeguard your home, reach out to Chastain Otis Insurance today. We’re here to help!

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