- Identify the damage: It’s pretty easy to tell when the siding on your home has been hit by hail. Depending on the size of the hail, it may leave a small dent or a hole within the actual siding. Pieces of the siding could be ripped off entirely if the hail was also accompanied by strong winds. Once the storm ends, take pictures of any damage and note the time and date.
- Bring in a professional: Your next step should always be to contact a reliable contractor for an estimate of how much it will cost to repair the damage. This should be done before you contact the insurance company. The contractor will inspect the damage and provide you with a repair estimate. Try to schedule an inspection as quickly as possible because most contractors operate on a first come, first serve basis and you could find yourself waiting months for repairs if a large area was affected by the same storm.
- Contact your insurance company: Next, it’s time to contact your insurance agent. Provide them with information about the storm, the damage, any information from the contractor and the estimate they provided. Most insurance agents will be able to provide you with guidance about whether a claim should be filed or if you’re just better off paying for the repairs out of pocket. Unfortunately, many insurance companies will drop a policyholder if they file too many claims in too short a time period.
- Iron out the details: Many insurance companies will only replace the siding that has been damaged. While this makes sense, it can often leave homeowners with mismatched colors if the manufacturer of your existing siding is no longer in business. If this is the case, some companies will allow for the replacement of all the home’s siding. Check your policy and work with your agent to determine the best course of action.
Categorised in: Hail Damage Repair
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