Hail storms generally occur from late spring to late summer. Much of mid-America experiences at least one damaging hail or windstorm a year. Some parts of the central US are called “Hail Alley,” which means they receive the highest frequency of large hail in North America and most of the world. Residents in these areas usually can count on three or four catastrophic (defined as at least $25 million in insured damage) hail storms every year. In the last 10 years, hailstorms have caused nearly $2 billion in insured damage in the state of Tennessee alone. As a result, up to one-half of your homeowners insurance premium may be going toward hail and wind damage costs. If you carry comprehensive coverage on your home policy, hail damage is covered by almost all insurance companies. Comprehensive insurance is optional, but if you live in a hail prone area, the insurance industry recommends this coverage.
Allow only the insurance adjuster and chosen roofer to get up on your roof. Each time someone walks a potentially damaged roof, more damage can occur.
Be wary of out-of-town roofers who move into an area and set up shop following a storm. While some of these firms are reputable, some have collected money from homeowners and moved on to the next storm site without paying suppliers or finishing the jobs they were paid to do. This can leave homeowners holding the bag for those additional costs. It’s a good idea to select a company with established credibility and local references. Word of mouth is still your best guide.
Be sure roofers have the appropriate insurance required by the state and your local city. If they don’t, you may be held liable if one of the workers is injured or if they damage a neighbor’s property.