Hail Damage and Siding Coverage: Your Time Is Limited to File a Claim

A storm comes through the community with large hail. You worry about what that pelting is going to do to your home’s siding.

If you have home insurance, you may not have to worry too much. Many policies provide coverage should you suffer significant damage from a hail storm. However, there are limitations.

There are also steps you need to take to get the necessary coverage. After a hail storm, look at your home. Take note of damage. Then, call your home insurance agent.

When Will Home Insurance Cover Siding Damage?

It is not always a given that home insurance will cover hail damage. There are several steps that your insurance agent needs to consider first.

1. Do you have home insurance with protection from hail damage? Some policies may exclude this type of coverage, limiting your access to claims.
2. Is there a noted event of hail? Insurers may keep track of hail events. Generally, you have a limited timeframe in which to apply to get the claim. Most often, this is one year from the hail event.
3. Is there enough damage on the home’s siding to warrant repair? A few nicks may not be enough. You often must not have extensive damage that jeopardizes the safety of the home. That is not always easy. Furthermore, risking a claim for minor damage may drive up your risk level, and thus your insurance costs.

Of course, you should read your home insurance policy. Learn more about what it covers, and what it does not cover. Most importantly, clue your agent in about any type of hail damage you have right away.

What Should You Do If You Have Hail Damage on Your Siding?

After a hail storm, walk outside and look at your property. Is there evidence of hail damage on your siding? If so, this could expose the home to risks, including the development of mold and mildew. Contact your home insurance agent right away. You may be able to take a few photos to show your agent

Your home insurance agent may come to the home to do an inspection. They may look for specific hail damage, how much of the home has damage, and what terms your policy includes. If there is enough damage, the insurer will help you get a quote from a local siding installer. And, they will cover the repair up to the amount your policy lists. Don’t delay in filing your claim.

Do you need home insurance? Call Morgan Marrow Company at 757-865-1900 for a fast, free policy quote right now.