How Long Do You Have to File a Hail Damage Claim for Your Roof?

When Mother Nature unleashes a hailstorm, it can wreak havoc on your property, especially the roof. Hail damage is a common concern for homeowners and business owners alike, and knowing how long you have to file a claim for roof hail damage is crucial to ensure a smooth claims process. In this blog post, we will dive into the details of filing a commercial and residential roof hail damage claim, understand the legal timelines, and requirements involved.

The Impact of Hail on Roofs

Hailstorms can be particularly unforgiving to roofs, causing various forms of damage that can lead to significant expenses. If a roof, whether it’s a shingle or metal roof, has previously endured hail damage, it becomes even more vulnerable to future hailstorms. These storms can result in punctures through the roof and roof membrane, potentially allowing water to infiltrate the building’s interior. Repairing or replacing a hail-damaged roof, be it through roof repair or a complete roof replacement, can be a costly affair. It’s no surprise that many property owners in Texas have to deal with hail damage issues regularly.

Texas, Hail Capital of the Nation

Texas stands out as one of the leading states in the United States when it comes to hail activity. Between the years of 2017 and 2019, the residents of Texas submitted more than 638,000 insurance claims due to hail damage.  This statistic highlights the significance of hailstorms in the Lone Star State and the importance of understanding the process of filing a hail damage claim promptly.

What You Need To Know About Texas Hailstorm Law Deadlines 

To file a successful hail damage claim, it’s crucial to be aware of the legal timelines and deadlines imposed by Texas law. The specific timeframe for filing a hail damage claim may vary depending on the details outlined in your commercial or residential insurance policy. However, Texas typically enforces a statute of limitations of two years from the date of the covered hailstorm event. Failing to file a claim within this timeframe could lead to legal penalties.

However, it’s not just about meeting the legal deadlines. Filing your claim promptly, while still providing all the necessary documentation and information, increases the likelihood of your claim being approved by the insurance provider. Time is of the essence when it comes to hail damage claims.

Documenting Hail Damage

After a hailstorm, the insurance company will require various pieces of evidence to properly evaluate your claim. This includes:

• Photos and Videos: Capture clear images and videos of the damage to your roof and property. These visual records are essential in demonstrating the extent of the damage.
• Inventory Records: Keep notes of any inventory that may have been lost or damaged due to the hailstorm.
• Expenses Documentation: Maintain records of any out-of-pocket expenses related to the damage, such as emergency repairs or temporary accommodations for employees.

Having these records readily available can significantly expedite the claims process and ensure that you receive the compensation you deserve.

Commercial Wind and Hail Policies – What to Look For

Commercial property owners must thoroughly understand their insurance policies to make informed decisions. Policies can often be divided into two categories: Replacement Cost Value (RCV) and Actual Cost Value (ACV) coverage.

• RCV Coverage: This type of coverage ensures that you receive the amount necessary to replace the damaged property at the present cost for items of similar quality.
• ACV Coverage: ACV represents the value of a lost item at the time of purchase or the amount equal to the replacement cost minus depreciation.

In addition, it may be necessary to obtain separate wind and hail policies in addition to standard commercial property damage policies, as the latter may not always provide coverage for hail-related damage. It is a frequent misunderstanding among business owners to presume that their commercial policy includes coverage for hail damage, when in fact it does not. 

To avoid any unpleasant surprises, consider consulting legal counsel to fully comprehend the extent of coverage available to you before disaster strikes.

The Importance of Professional Roofing Expertise

Navigating the aftermath of hail damage to your roof can be a complex and daunting task, especially when dealing with insurance claims. The process can become even more challenging if your legitimate claim is denied, delayed, or underpaid by the insurance provider. In such scenarios, the expertise of professional roofing specialists becomes invaluable.

At Cool Roofs, we understand the intricacies of hail damage and the nuances of insurance claims. As a Sure Start Plus Certified contractor with CertainTeed and holding the highest warranties with both CertainTeed and GAF, we bring a level of expertise and assurance unmatched in the industry. Our certification not only signifies our commitment to quality but also ensures that you receive the best possible service and protection for your roofing investment.

If your property has suffered hail damage, it’s crucial to seek advice from specialists who are well-versed in both roofing and the specific requirements of insurance policies. Many business owners are under the misconception that their standard commercial property damage policies automatically cover hail damage, which is often not the case. Wind and hail policies may need to be acquired separately, and understanding these details is key to a successful claim.

Choose Cool Roofs for Your Hail Damage Support

By choosing Cool Roofs, you’re not just getting roof repair or replacement; you’re also gaining an ally who can guide you through the complexities of insurance claims from a roofing perspective. Our team is equipped to assess the damage, provide detailed documentation, and offer professional advice to ensure that your rights are fully protected. We stand by our work with the highest warranties in the industry, giving you peace of mind and the assurance that your roof is in the best hands.

In conclusion, when dealing with hail damage claims for your roof, acting swiftly and seeking professional roofing advice is essential. With Cool Roofs, you can trust that your roofing needs and scope of work from your insurance claims are handled with the utmost professionalism and expertise. Don’t let hail damage disrupt your business or home life; reach out to us to protect and restore your valuable investment.