The Ultimate Hail Damage Guide For Homeowners:
Learn The Storm Damage Industry Secrets and Avoid Getting Ripped Off.
The eBook addresses these and many other important questions:
- Was your home damaged in a hail or wind storm?
- Are you wondering what to do now? Who to call first?
- Should you file a claim or not? What happens if you do and what can happen if you don’t?
- Will your insurance premiums go up? Can your insurance company cancel the policy?
- Who are Storm Chasers? How to hire a contractor you can trust?
How To Hire a GREAT Contractor: A Step-by-Step Guide.
In this guide:
- Best industry practices- what characteristics should a contractor have to be considered a Qualified Local Contractor (QLC).
- How to find and screen contractors.
- Common mistakes/scams to avoid.
- Common red flags
- and much more.
10 Signs That Your Home Experienced Wind/ Hail Damage
In our 51 years of operation we have had many cases when a homeowner calls us with a roof leak, and after the inspection we discover that the roof leak was caused by damage from a hail storm that might have happened 2-3 years ago.
The homeowner usually doesn’t recall a hail storm, but a hail storm that might have lasted only 15 minutes can cause significant damage over time. Your roof should be inspected – especially after a wind and/or hail storm – because even minor damage made to your roof may lead to a much bigger problem in the future. Read More
How to Mitigate the Damage to Your Home from a Wind or Hail Storm
A homeowner’s insurance policy requires you, the homeowner, to mitigate any damage to your home. This means it is your responsibility as the homeowner to stop any further damage from occurring to your home after the wind or hail storm. Here are some things that you can do to mitigate the damage done by wind or hail storm:
Broken/cracked skylights and windows: If you have holes in your skylights and windows, cover them with plastic. Remember it’s your responsibility as a homeowner to eliminate any further leaks or damage that could be cause by the hail damage. Read More
Marketing Craze: What to Do After Hail Storm Hits (Buyer Beware)
When a wind or hail storm hits your area (and your house) you are going to be inundated with flyers, direct mail offers, yard signs, telemarketers, door knockers, and other types of marketing.
This can be very overwhelming and, could cause you to react emotionally because, as I mentioned before, your roof is actually worth roughly 10% – 15% of your home’s entire value. It also covers about 90% of your assets, and provides the protection from the rain for your family. Salesmen are aware of this, and they could try to prey on your emotions. So remember; it is very important to slow down and verify that the company you are dealing with is a Qualified Local Contractor. Trust me, especially after a wind or hail storm, it is best to take your time and find a local, reputable and experienced contractor to get the job done right the first time. It will save you a lot of time, money, and headaches in the future. Read More
Who Are Storm Chasers and Why You Should Avoid Them
Storm chasers are companies that follow severe weather from area to area, completing home repairs (generally roofs and siding) that are damaged by hail and wind. They collect homeowners’ insurance claim checks in payment for their services and complete the work (often shoddily) before moving on to the next storm ravaged area.
Here are the Pros and Cons of Storm Chasers… Read More
Hiring a Contractor After a Wind or Hail Storm
What Is a QLC
QLC stands for Qualified Local Contractor; an established, local contractor who strives to maintain excellent customer relationships by working with their clients to resolve problems, perform quality work, always pay their subcontractors and vendors, and conduct themselves professionally with the goal of building a successful business.
If you hire a QLC, you are in good hands and won’t have to worry about most of the things I talk about in previous posts about Storm Chasers, scams etc. If you end up hiring a contractor who is a Non-QLC or an out-of-town Storm Chaser, the best practices and advice on this website are meant to help you reduce your chances of getting ripped off, while keeping the contractor accountable. Read More
Determining if You Had Hail Damage- Home Inspection Checklist
Hail Damage Anatomy
I’ve seen many homeowners walk around their house after a hail storm, looking at their roof thinking that everything is fine since they can’t see any obvious damage from the ground, while the roof was actually damaged and that damage was not apparent without a basic home inspection checklist.
The damage will be obvious if you have experienced a golf ball size or larger hail, but even if the hail was smaller than that – there is a good likelihood that your roof was damaged (it may take 2-4 months to become apparent though). And here’s why… Read More
Filing Your Insurance Claim (To File or Not To File).
After a hail or wind storm- you might be wondering, “Should I file an insurance claim or not? How do I know when it’s good for me to file and when it’s not? Will my premiums go up? Will my insurance company drop me?”
Let’s look at the last two questions first: since hail and wind damage is considered to be “an Act of God” – your insurance company cannot legally drop you after you make an insurance claim. Having said that… Read More
Hail Storm- Insurance Adjuster Inspection: What to Expect
What exactly is the insurance adjuster going to do? What is he/she looking for? How does the insurance adjuster determine if your home has sustained enough damage for the insurance company to pay for roof replacement or roof repair? The first thing the insurance adjuster will do is… Read More
Insurance Claim Process: Approved/Denied: What’s Next?
If, after going through the insurance claim process, the adjuster approves the claim, the he/she will write up a detailed scope of work in the form of a spreadsheet with the line items detailing the repairs that the adjuster believes your insurance company should pay to replace. Then the insurance company reviews the adjuster’s report (which includes pictures showing the hail damage), the insurance company approves the adjuster’s scope of work, and sends you and your contractor the approved scope of work along with the insurance company’s pricing… Read More
Insurance Claim Approved: Getting Paid by Insurance Company
After your insurance claim is approved- getting paid by your insurance company is usually a two (possibly three) part process:
Part 1: Your insurance company will issue you the first check for the Actual Cash Value (ACV) of your claim made out to you and your mortgage company (if the insurance claim is over $10,000). Most insurance companies will make the check out just to you if the claim is less than $10,000 and/or if you don’t have a mortgage… Read More
Common Construction Contract Traps You Want to Avoid
Construction Contract Basics
A construction contract is generally defined as a legal document between the contractor and the owner(s) of a property where one party agrees to perform labor and/or services and/or supply necessary materials to complete a project and the other party agrees to make payment for same. In many states, contracts are legally required.
I’m surprised by the amount of people that I’ve talked to over the years that have signed construction contracts for large amounts of money but… Read More
Negotiating Contracts the Right Way
A contract of any kind should be agreeable and fair to both parties. As mentioned in the previous articles in the series, the contractor covering your insurance deductible is not a good deal (and it’s illegal in many states and municipalities) – so that’s out of the question. But you can negotiate a few other perks that your contractor would consider doing for FREE without too much of a fight. Here are some tips for negotiating contracts… Read More
Hail Storm Roof Restoration- Production Process (+Best Practices)
What to Expect
This is the final stage of the roof restoration project. Now that you have your first check in hand, a signed contract with a contractor (whether you hired a Qualified Local Contractor or not, it’s good to have an understanding of the best practices for your project), you have picked out your material and colors for your restoration project- it is now time to schedule your roof restoration work… Read More
Homeowner’s Insurance Best Practices After Wind / Hail Storm
If you pay your monthly homeowner’s insurance premiums, you probably assume that you’ll receive all of the benefits for any claims you may file. This isn’t always the case, however; if you want to receive the money that you are entitled to, you have to be proactive and follow the best practices outlined below… Read More
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