Hail Storm in Herndon, VA
Residents of Herndon, Virginia have certainly seen their share of storms and bad weather. With wind speeds higher than the national average, and rainy springs, Herndon residents are used to cleaning up after storms. When a hail storm strikes, however, the type of damage that it leaves behind may not be as obvious the type left by rain and wind storms. That’s why it’s so important to have your roof inspected by a Qualified Local Contractor each time hail strikes.
Hail Damage- Subtle and Progressive
Unless the hail stones that strike your roof are the size of golf balls or larger, they may not leave behind damage that is obvious to the untrained eye. Unfortunately, while this damage may be subtle looking, it can eventually become worse. In fact, it isn’t unusual for hail storm damage to lead to things like mold, wood rot, and water damage in just a few weeks to months after the initial storm.
And because you won’t necessarily remember that hail storm and link it to the later damage, you might not realize what caused it, and you might not be able to file a claim to have your roof replaced. That’s why you should always have your roof inspected by a Qualified Local Contractor to determine the scope of the damage and assist you in filing a claim in a timely way.
Filing an Insurance Claim
You may wonder if getting your roof inspected and filing an insurance claim are truly worth it. After all, if you won’t necessarily see damage for a few months, won’t filing a claim now only raise your premiums? It’s important to keep a couple of things in mind during this time to ensure you get your roof the work it needs:
- Your home insurance 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.
- If you have had a qualified, local 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. Ignoring the damage now will only lead to more – and more expensive – problems 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 you are using a qualified, local contractor for the job, he has most likely seen thousands of roofs and worked with hundreds of adjusters. This can give you some peace of mind, because he can likely advise you as to whether or not you’ll have a chance at having your claim approved or not.
Beware the Storm Chaser
Remember that if you have your roof inspected, that not everyone you meet will be qualified for the job. Qualified local contractors will have the licenses, insurance, references, and know-how to handle your project from start to finish. They’ll also have local ties in your community, and can be there to assist you in the form of warranties after the job is done as well, as well as assisting you through the insurance process.
Storm chasers are contractors who travel the country, following large storms to collect the insurance money that often goes with them. They may use strong-arm sales tactics to get you to sign a contract with them, then they may leave you waiting until they’re ready to start the job. They may also leave in the middle of a project if another storm blows through somewhere else, and because they aren’t local you may not be able to get a hold of them if something goes wrong after they’re done. They may also offer you things like money back from the insurance company to get your work. This is illegal and can get you into a lot of trouble, which is just one more reason why you should avoid storm chasers at all costs.
Therefore, it’s important to check out any contractor you hire to work on your home. Ask for the following to determine your contractor’s eligibility for the job:
- A local driver’s license and state license plate
- State licenses and insurance
- At least three local, recent references
- References from local suppliers and manufacturers
- A high rating at the Better Business Bureau
If your contractor can’t provide you with these things beware; he may be a storm chaser.
Call for a Free Estimate
Northern Virginia Roofing has been working in the Herndon area for more than 50 years. We’ve handled more than 40,000 local projects, including 2,000 hail damage repair jobs. We offer one of the best warranties in the industry – 25+ years – and have an A+ rating at the BBB.
We’ve even written a book – The Ultimate Hail Damage Guide for Homeowners: Learn the Storm Damage Industry Secrets and Avoid Getting Ripped Off. The book is available on Amazon or you can download a free copy here.
Call us today for a free estimate that will help you determine the extent of your hail damage and whether or not you need to have repair work done.
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