While there are certain types of claims that can cause your insurance premium to increase, storm damage falls under the “Act of Nature” or “Act of God” clause, which do not impact your premium since they are uncontrollable. This is why your insurance recommends inspecting the property every time there is a hail or wind storm and report any damage immediately. However, before filing a claim, our complimentary property inspection will uncover if there is a need to do so.

Yes, filing a claim with insurance after a hail or wind storm is always recommended. It’s just like when you move into a new apartment, and the landlord gives you a form to fill out any pre-existing damage so you aren’t held financially responsible for it later. Every time a hail or wind storm hits your property, insurance gives you one year to file a claim and have the property inspected by a representative to remove you from financial responsibility. It’s not a matter of “Do I need a new roof?” but more “If damage is present, I don’t want to miss out on any opportunity to have it paid for by insurance and increase the value of my home.”

There are a few reasons that insurance will deny covering the damages, but the most common reason is extremely simple… The inspector missed taking some crucial damage photos. See, the person who inspects your property doesn’t actually have any decision-making power at all. Their job is to capture photos of the damage, which are then reviewed by a desk adjustor to decide whether to cover the damage. Unfortunately, due to the volume of inspections they have to complete in a day and the limited time they have at each home, one or two missed pictures are often the difference in insurance paying for the entire project and it being denied for “not enough damage.” Regardless of the reason you were denied coverage on the claim, our team inspects your entire property and organizes photos to communicate your restoration needs accurately.