Since bad weather damage was not caused by your negligence, the insurance company will not usually increase your premium. In many cases, your premiums can be reduced if your insurance company offers a so-called “new roof” discount.
After a hailstorm, you can ask your roofing contractor/professional to inspect your property for damage. Always ask for photos of the damage so you can decide for yourself before filing a claim.
The advantages of a new roof are many. After getting a new roof, notify your insurance agent and ask for a “new roof” discount. This can significantly reduce your annual premium. In addition, a damaged and neglected roof can cause internal leaks. It can become very expensive for the owner. Hail damage to a roof can significantly reduce the life of the roofing sheet due to further exposure to the sun.