Hail Damage Roof Attorney

Whenever there’s a hail storm in Texas, insurance companies get bombarded with claims. Generally, your insurance company will pay you as little as possible to make you go away. How do you know you are getting fair compensation for your hail damaged roof? It’s important to consult a hail damage roof attorney before you settle your claim.

1) Do your homework and get educated about your coverage and any potential costs prior to contacting the insurance company. Locate and carefully read your Homeowner’s Insurance Declaration pages regarding your coverage especially the replacement coverage articles.

2) Prior to anyone getting on your roof, other than the insurance adjuster (with proper credentials), obtain a current workers compensation and general liability certificate. These coverages should then be verified with the listed insurance agent. If anyone is injured on your property, you are liable without this protection!

3) Contact your insurance company and let them know of any damages (hail or wind) that you think you may have incurred.  Regardless of what any contractor tells you, your insurance company must approve your claim for a hail damaged roof.

4) Go ahead and get one or two detailed proposals for replacing your roof. Make sure you only contact State Licensed Contractors in the state where your home is located. And they should be certified by the roofing product manufacturer and listed on the manufacturer’s website as such. Be sure to check all contractor credibility through sources such as: Kudzu.com, AngiesList.com and the Better Business Bureau.

5) Never sign any agreement that allows a contractor to act as your representative to file an insurance claim or receive an insurance payment. Never sign any agreement that states that a contractor will install your new roof for whatever the insurance company will pay.

6) Schedule a time to personally meet with your insurance adjuster. Make sure the adjuster thoroughly inspects your roof for not only suspected damage but any other damage. Provide the adjuster with your preferred contractor’s detailed written proposal. Your insurance adjuster will provide you with a report detailing all of their expenditures for your claim amount.

7) Provide the insurance companies report to your contractor for their review to insure that the quantities of material and the complete replacement value are correct. The contractor can help you determine if you need if you need subrogation from your insurance company. This can usually be done with a phone call between the insurance adjuster and your contractor. This should be the only time your contractor should speak with the insurance adjuster on your behalf. The insurance adjuster will notify you of any changes to your claim.

8) Remember your homeowner’s insurance adjuster is the only person that can approve an insurance claim. You are in control of the contractor that performs any work on your home. DO NOT give any contractor any money up front for a roof replacement. Any reputable company can over the costs of material and labor until the job is complete. Make sure the insurance company makes the claim check payable to you and not your contractor.

Please contact a competent hail damage roof attorney today to make sure you get the full value of your claim. We would love to help you.