Filing a homeowner’s insurance claim almost always results in higher premiums when you renew your policy. Don’t file a claim unless you have to. Also, if you are considering filing a claim for hail on your roof, you should find out how much damage you actually have.

Filing a Claim for Anything Less Than Your Deductible

Insurance companies would be happy to file your hail damage claim, even if you don’t have enough damages for them to cover. Decent insurance companies will tell you straight up they aren’t going to mess with a claim if the damage is less than your deductible. Asking a roofing contractor to check out your roof and make a fair estimate of the damages helps you decide if a claim is a waste of time. If your deductible is $500 or $1000, and there just isn’t enough damage above and beyond your deductible, don’t waste a claim.

When It’s Worth Filing a Claim

If we check out your roof and we find that there’s at least $500 worth of hail damage above and beyond your deductible, it may be worth the claim. Just keep in mind that you may see a jump in your monthly premiums. Most homeowners wait until there is at least $1000 in hail damage to their roofs before they talk to their insurance companies. Otherwise, the insurance companies recover everything they pay out on your claim after they increase your monthly premiums.

We want to make absolutely certain that you don’t lose money trying to file a claim that isn’t worth filing. Contact us and have one of our roofing inspectors come take a look. If there is significant damage from a recent hailstorm and it looks like it’s worth the trouble to file an insurance claim, our inspector or roofing contractor will let you know.