Hail Damage and Insurance Premiums

Dec 27, 2021 | by Dustin Allen

Hail is very common in Texas, and they damage everything – cars, homes, and other personal possessions every year.

Fortunately, many families affected by the storm may be eligible for coverage to cover any repairs or replacement their personal property may need. On the other hand, there are many myths about hail insurance claims. Some of these myths prevent people from submitting their claims in the first place or from turning them down if the insurance company denies their claim.
One of the most frequently asked questions is whether insurance rates will increase after a homeowner files a hail damage claim.

Because wind and hail losses are classified as catastrophic losses and are not due to owner negligence, your insurance company will generally not increase your rate. In some cases, your premiums may even be reduced if your insurance company offers what is known as a “new roof” discount.

Just because a shingle is not missing does not mean there is no damage. Wind usually removes shingles, while hail damage is often difficult to detect from the ground. It’s always important to call a trusted contractor to inspect your roof after a storm and document it with pictures so you can see it for yourself and report it to your insurance company.

Failure to properly deal with damage to your roof caused by hail can lead to more serious problems such as leaks and other problems that could keep you out of coverage – because these will be the owner’s own negligence.

We can help you through the entire claim process, we know it’s a stressful process. Contact us so we can help you!

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