Will Insurance Cover A Hail Damage Claim in Mableton, GA?

5/26/2021 (Permalink)

Contact the fast-acting hail damage professionals at SERVPRO today!

Living in a hail-prone area, you need to know how to identify and get your hail damage covered.

As a homeowner in Mableton, you may be wondering if your homeowner's insurance will cover hail damage to your property. Not all hail damage claims are approved, and many factors come into play when considering whether or not an insurance company will pay for damages done by hail. In this blog post, we'll go over the types of damages hail can cause as well as what is typically covered in a homeowners policy.

The power of hail

Hail is often a part of heavy and unexpected storms, and hail balls of ice can do severe damage to your house. Some hail damage is noticeable, such as shattered glass or a dented car. The minor, unnoticed hail damage, on the other hand, must be identified with a trained eye. To assess the severity of the damage and how to proceed with the immediate repairs, you'll require a hail damage inspection.

7 places to check after a hailstorm: 

1. Look for dents, cracks, and holes in your home's siding. 
2. Examine the downspouts & gutters for dents. Hailstorm often leaves small dents in metal gutters and downspouts.
3. Check all window screens for tears or holes. 
4. Inspect all outdoor furniture. Plastic and wood yard furniture can be cracked or damaged by severe hail. 
5. Inspect your mailbox by searching for dents and cracks.
6. Look for dings, dents, and cracks in the casing and window sills. 
7. Look for cracks in any window glass.

Consider adding hail damage to your insurance policy.

When you are shopping for homeowners insurance, you need to think about paying more to have any hail damage added to your plan. You will want to analyze the exact location where you reside to see if there are patterns of hail storms happening in that area more often than others. 

Be aware that some insurance policies are more likely to limit their hail damage coverage depending on if hail damages a high percentage of properties in your area.

If you find the perfect coverage for you, but hail damage is not covered, you should consider purchasing a separate hail coverage in addition to your existing policy. Having hail coverage will be vital if you live in an area with high amounts of hailstorms.

What does homeowners insurance consider hail damage?

When you file a new claim, your adjuster will start by reviewing the type of coverage you have on your property, including your liability coverages. An insurance adjuster will consider several factors when determining whether or not hail damage is considered covered.

Homeowners should get their property inspected for damages within 30 days after the damages occur to get reimbursed for repairs or replacement costs. If you are unsure about what is considered covered, contact your agent before reporting anything as damaged, but typically homeowners insurance considers hail damage to be any of the following:

• Roofs and their underlayment
• Walls, siding, gutters, downspouts, and other exterior components.
• Windows with breakage from hailstones.
• Damage from hailstones that penetrated the interior of your home
• Hail damage that leads to a ceiling leak 

Include the following information in your hail damage claim.

To quickly get your hail damage claim approved, you need to file a claim with the right information about how the storm occurred, along with any pictures or video evidence from where it took place. The proper documentation will help your homeowner's insurance adjuster determine the severity of the hail damage and help them arrive at an approval decision.

SERVPRO is ready to help!

Hail damage is inevitable to happen in Mableton, GA. A hail storm can severely affect your home's roof and other exterior coverings, as well as other personal belongings. While hailstorms can be damaging, the extent of the damage varies greatly. 

No matter what extent of hail damage your property has recently gone through, the storm damage professionals at SERVPRO of South Cobb are ready on call to act quickly.

When dealing with hail damage, you need to hire restoration professionals that have dealt with many hail damage claims before. SERVPRO is the most reliable option for you when you want your home and everyday life to be normal again after you have suffered hail damage.

Feel free to contact us at any time for any questions regarding any size damage. Once we receive your call, we will send out a team of IICRC certified professionals to help mitigate and restore your property with integrity backing our name.