Hail Storms Fairfax County, VA
If you live in Fairfax County, VA, then you’re probably familiar with the moderate temperatures you get year round. You’re probably also familiar with the fact that Fairfax County gets higher than average wind speeds as well. Unfortunately along with those winds and some of those more moderate temperatures is the perfect recipe for hail storms. Hail can do a lot of damage to your home – even when that damage isn’t noticeable right away. Make sure you understand how to deal with your insurance company in a timely way to ensure you get the money necessary for the repairs.
What Hail Storms Do to Your Roof
If you’ve had a hailstorm pass through, you may not even realize that your roof could be damaged until long after it’s too late. That’s because unless the hail is the size of a golf ball or larger, you need to know what it is you’re looking for.
What hail does when it hits the shingles on your roof, is loosen up the layer of granules on the surface, while also sometimes bruising the mat below. After a few rains, those loosened granules wash off of your roof, exposing the potentially compromised mat. Now the sun, rain, and wind can cause your shingles to begin deteriorating at a faster rate, because those granules are no longer there to protect it.
Getting Your Insurance Company to Pay for Replacement
If hail storms has passed through your area, and you’ve had a roofer out to determine that you have damage, you may wonder if it’s worth filing a claim. There are a couple of things to keep in mind if you do:
- Your premiums are not like your car’s, and will not go up if you file. They could go up, however, if many people in your neighborhood file, even if you do not, so this shouldn’t factor into whether you make a claim or not.
- If you have had a qualified roofer out to take a look at your roof, and he thinks there is enough damage to warrant making a claim, then it’s likely in your best interests to do so. After all, what make look like minor damage now could lead to things like mold and water damage down the road.
If you decide to file the claim, your insurance company will send an adjuster out to take a look at the damage. Your insurance company has a formula they use to help determine whether or not to pay: they divide your roof up into sections and count how many hail marks they see in each one. They’re looking for a certain number of hits per area; if you have that many or higher, they’ll pay for the new roof.
If Your Claim Is Denied
If your adjuster takes a look at your roof and finds that you don’t have the number of strikes they’re looking for, you should have your contractor come back out to take another look. They may help make the claim for an appeal, or they may recommend that you wait a few months for the damage to become more apparent before filing. Oftentimes the appeals adjuster will be someone that specializes in this kind of damage; your contractor can also help point out areas of damage or help you make the claim that further damage down the road could be traced back to that storm.
Even more difficult to deal with than your insurance company are the storm chasers that come out after a storm. Take care not to fall for contractors who show up on your doorstep with high pressure sales tactics to get you to sign a contract. Often times they don’t have your best interests at heart, and you can trust their warranties only as long as you can see their taillights.
Call for a Free Estimate
Northern Virginia Roofing has been working in the Fairfax County area since 1963. We have more than 40,000 successfully completed projects, an A+ rating at the BBB, and we offer some of the best warranties in the industry. We’ve dealt with dozens of insurance companies and can help you make the claim you need to get your roof replaced and your home back to the shape it should be in.
If you’ve suffered from hail storms, give us a call for a free estimate.
You can also get a copy of our book – The Ultimate Hail Damage Guide for Homeowners: Learn the Storm Damage Industry Secrets and Avoid Getting Ripped Off. This eBook is available on Amazon –but we give it away for free to our customers.
Give us a call and let us help you get your home the protection it needs.
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