By Sonya Sellmeyer, Consumer Advocacy Officer for the Iowa Insurance Division
Hailstorms can cause significant damage to homes, vehicles, and other property, leading to costly repairs. Understanding how to handle an insurance claim after a hail storm can make the process smoother. Taking preventive measures can help mitigate future damage and reduce potential losses.
After a hailstorm and when it is safe, inspect your property. Look for signs of damage to your roof, siding, windows, and outdoor structures. Look for interior damage due to leaks. Hail can also dent vehicles and damage landscaping. Mitigate further damage by using tarps, covering any broken windows or other openings to your home.
Understand your insurance coverage before filing a claim. If the damage appears to be over your deductible, contact your insurance agent or company to file a claim. Policies may have exclusions or specific deductibles for hail damage, and claim filing deadlines. Take photos and videos of the affected areas.
Provide the insurance company with a detailed description of the damage, along with the photographs and videos. The company will guide you through the claims process and may send an adjuster to inspect the property. If you purchased items such as tarps to mitigate further damage, save receipts so you may be reimbursed later.
Be present while the insurance adjuster assesses the damage, and point out all affected areas. It is advisable to seek estimates from at least two registered contractors for repair costs. Working with a contractor you know and trust is ideal, and always check the online reviews and references of any contractor you hire. Be cautious of fraudulent contractors who appear after storms, as they may not have your best interests in mind.
Once the adjuster completes their report, your insurance company will provide you with the claims settlement based on the terms of the policy and the covered loss. Review it carefully and negotiate using the contractors’ estimate which will be for any damage they discover. There may be differences between these two estimates. Only the insured, an attorney, or a licensed public adjuster can negotiate on behalf of the insured. Once you agree on a settlement, proceed with the repairs. You may be responsible for damages the insurance company has not agreed to.
Taking proactive measures can help minimize future damage from hailstorms. Upgrading to Class 4 impact-resistant shingles can significantly reduce the risk of roof damage and may also qualify for insurance discounts.
Regular maintenance, such as inspecting and repairing loose shingles and cleaning gutters, helps prevent water damage caused by hailstorms. Ensure trees are properly pruned to prevent limbs from causing additional damage during storms.
Whenever possible, park vehicles in a garage. Store patio furniture, grills, and other outdoor equipment to prevent damage.
By promptly assessing hail damage, understanding your policy, and working with reputable contractors, you can navigate a hail claim efficiently. Additionally, taking proactive measures can help mitigate future hail damage. By being prepared, homeowners can better protect their investments and minimize the impact of severe weather events.
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