We had a homeowner in Prosper ask us recently if it’s a good idea to wait to file a hail damage claim with their insurance company to see if another storm comes, or if it’s best to get the roof fixed now. This is a popular question, as many of you live in areas of town that seem to always get pelted more heavily than others.

The best answer is to file that hail damage claim as quickly as possible, especially if you know you have damage to your roof and other parts of your property, or you have been told by an ANNSTAR roofing professional that you have damage.

It can be frustrating to have to file a claim every year, but waiting to get through hail season could lead to:

• More costly repairs and potential damage to the interior of your home
• Having to wait longer for an adjuster to review the damage
• Your insurance company denying the claim or only approving a portion of it due to homeowner negligence
• Increased out-of-pocket expenses

Playing the waiting game on a hail claim can get your claim denied

Most insurance companies allow homeowners to wait 12 months to file a claim, but not checking first or waiting too long could lead to your claim getting denied. Bottom line, how long you have to file a hail damage claim depends on your specific insurance company. Some companies have a clock that starts on the reported date of damage while others begin once an insurance adjuster assesses the damages.

Another factor to consider is recoverable depreciation, which is any monies you can receive back from your insurance company after you make a claim. Depending on the insurance company, there may be a separate cutoff date for that.

If you don’t feel comfortable calling your insurance company to see what their rules are, another option is to check to see what is listed in the fine print of your policy.

Don’t delay, call ANNSTAR Roofing TODAY!

Your home is your most valuable asset, so it is wise to stay on top of any repairs that need to be made to avoid bigger issues down the road. The first step after a hailstorm hits is to call ANNSTAR Roofing & Construction and ask to have one of our roofing professionals do a free inspection. We will look at your roof and anything else that could have been damaged by the latest storm.

This allows you to confirm any damage and move on to filing a claim.

We know you have options after a storm, but only one roofer in North Texas offers a one-stop shop for all your residential and commercial roofing and construction needs. Call us today for your free, no-hassle roof inspection. o