Hail is a huge hazard in Texas, causing the most damage to homes and vehicles of any state. Total hail-related claims paid in Texas average around $475 million per year, with individual property owners collecting approximately $12,000 per claim. So, here is what you need to know about hail damage and your home insurance coverage.
Are You Covered?
The biggest and most important question on your mind by now is, are you covered? And the good news is, yes, most conventional home insurance policies in Texas include coverage for hail automatically. Because Texas is a high-risk area, though, you might want to pay special attention to what kind of limitations and extra fees are in your unique policy. Many policies won’t cover “cosmetic” damage, for instance, and some carry higher deductibles than others, so be careful which you choose.
What Happens To Your Premium?
What will happen to your premium when you file a claim for hail damage depends on your specific policy and circumstances. In most cases, an insurance company will consider hail damage a mere “act of God” and give out entitled payouts without increasing premiums. Try to file multiple claims in a short period of time, though, and your rates are likely to go up. That said, living in a high-risk state, like Texas, can affect your premiums as well.
What You Need To Do
Most homeowners’ insurance policies require homeowners to file claims for hail damage within one year of the storm, so make sure you begin the process as soon as possible. Before you even submit your claim, take some time to get photographic evidence of the damage. And don’t forget to get an inspection and estimates from your contractor as soon as possible. Snow Roofing and Exteriors offers free roof inspections! You cannot begin any actual repairs until you’ve met with your assigned insurance adjuster, though, so you must be patient. Your adjuster will need to see the damage, all your evidence, and repair estimates to approve your claim. As soon as you get the go-ahead from your insurance company, you can move on to the actual repairs.
Let Snow Roofing and Exteriors Take Care Of The Damage!
The moment your claim receives approval, you will want to get repairs started right away to prevent further damage. So please, let Snow Roofing and Exteriors take care of the damage! Our reliable roofers offer responsible roofing services for both residential and commercial properties, including repair services for roofing, windows, gutters, and more. Call Snow Roofing and Exteriors today at (817) 733-9228, we are the top-rated roofing company and general contractor in Wise County!
