Dos & Don’ts of Homeowners Hail Insurance Claims
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14 July 2017
Thankfully, most of us don’t often have to deal with filing a homeowner’s insurance claim due to storm damage. However, the consequence of this is that when the need arises, the learning curve can be steep. Having been in business nearly 40 years, we’ve helped countless homeowners with such claims and we’ve seen firsthand the consequences of failing to act appropriately after a hail storm. Because life’s too short to make all of the mistakes yourself, allow us to share the dos and don’ts of homeowners hail insurance claims.
DO contact both your insurance company and a reputable contractor as soon as possible after the damage occurs. This holds true especially if a large geographical area was affected as most contractors and insurance companies operate on a first come, first serve basis. In the Midwest, where winter affects the ability to safely install a roof, this can mean the difference between getting your roof installed in the fall or the following spring.
DO arrange a time for you, your spouse, a reputable contractor and the insurance adjuster to meet to discuss the claim. In cases where large geographical areas are affected, some insurance companies bring in adjusters from out of state. It’s a lot easier for a contractor to voice any concerns with the adjuster’s findings face to face than it is to do so via phone after they’ve returned to their home office in another part of the country.
DO keep a copy of your homeowner’s insurance policy and carefully consider the coverage you need before purchasing. Should you need to file a claim, have the policy handy so that you understand what you are entitled to in terms of compensation.
DO know that the manufacturer’s warranty on items such as gutters, roofing, and siding are typically voided if you experience hail damage and do not have the affected portions of your home repaired or replaced.
DO NOT sign with the first company that comes knocking at your door offering to assist you. Once massive damage occurs, storm chasing contractors from all over the country set their GPS systems for the affected area and start going door to door trying to sign as much business as quickly as they can by promising potential customers the world. Oftentimes, they disappear before work has been finalized or perform sub par work that may not be evident until a couple years down the road when you have no way of contacting them again…if they are even still in business.
DO NOT accept the insurance adjuster’s initial offer if it does not fully encompass the scope of work that a contractor informed you needs to be performed or properly compensates for premium improvements you have made to your home. If the insurance adjuster’s amounts do not correlate with the improvements that need to be made, you have the right to hire an independent adjuster and submit their findings to your insurance company and ask for a new payout amount. If these efforts do not produce results, you have the option to hire an attorney or contact your state’s insurance commissioner’s office to file a dispute with them.
DO NOT feel forced to use a contractor referred to you by the insurance company. Oftentimes, their motivation is to complete the work as cheaply as possible, slightly the homeowner through sub par materials and shortcuts. Hiring your own contractor means that their incentive is to satisfy you over your insurance company.
Get a Behind the Scenes Look at Storm Damage Repair Completed by our Team:
At Lindus Construction / Midwest LeafGuard® all of our estimators go through extensive training and possess the knowledge to identify storm damage to your home. We are able to help you work with your insurance company to get you home restored as soon as possible. We are a full service construction companies ready to help you with your storm damage needs.
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Storm Damage Restoration Reviews:
“Lindus Construction/Midwest LeafGuard® is the best! After storm damage, the crew replaced everything in less than a day.” – Warren J.
November 20, 2019 Osseo, MN
“Excellent from start to finish. Just had a new gutter replaced from storm damage. I had them in the mid 90’s install the first time. My first call was answered by a real person and I was transferred to another person to help set an appointment for an estimate and they too answered their phone. No messing around with trading voicemail calls. From there on everything was as promised, they showed up for the estimate and I booked the work to be done. I was contacted as to when they would be here and that the materials would be dropped off a couple days in advance of the work. All happened like clockwork. The work was done on the day promised. Almost impossible to find a contractor that cares like they do. Thank you Lindus for caring.” – Daniel S.
September 3, 2019 St. Paul, MN
“Had Lindus re-shingle our roof this summer following a hail storm and while I don’t know much about roofing I do know a lot about customer service and they were excellent. Easy to trust a company that is honest and dedicated to their work. I have also referred them to two neighbors who have also used them with equally satisfying results.” – Howard J.
December 10, 2018 White Bear Lake, MN
“We were extremely pleased with the professional and quality service provided by Lindus Construction when they replaced our hail-damaged roof and gutters. We highly recommend them.” – Vicki G.
August 31, 2018 New Richmond, Wi
After the hail storm our home needed a new roof and all new siding, window trim…the whole nine yards. From the salesperson to the crew that was doing the work, all were all wonderful. Answered every question, got the work done on time ( and looks great) cleaned up after every day and when the job was done you would never know that they were there. I would highly recommend Lindus Construction! We were very pleased with everyone involved with the company that worked with us. – Jaide S.
July 30, 2018 Osceola, WI
“Lindus did hail damage work on my home. Jordan was very helpful in working with the insurance company. Would recommend for gutters.” – Crystal H.
January 24, 2018 Clayton, WI