Despite the fantastic weather nearly year round, hail is more common in St. Augustine than you may think. Even a small- to mid-sized hail storm can leave your roof in bad condition, and it’s never fun dealing with the aftermath.
While it’s easy to stow your patio furniture during the occasional hail storm, you can’t exactly cover your whole roof to prevent possible damage. Unfortunately, if you live in Florida, it’s only a matter of time before hail hits your roof.
Worse, hail damage also often means making a few unpleasant phone calls to your insurance company. The last thing you want to have to deal with is submitting an insurance claim, but because hail damage can be severe, getting as much of the cost covered as possible is always a wise decision. Elite Remodeling Services specializes in hail damage roof restoration & repair services. If you have damage, call us at (904) 657-8383 today for a free inspection.
Does Your Homeowner’s Insurance Cover Hail Damage?
After confirming that your home has indeed suffered hail damage, the next question is usually whether your home insurance will cover the repair bill. Fortunately, in the state of Florida, hail damage is often included under homeowners’ insurance policies.
That said, depending on your specific plan and its deductible, insurance may not always cover the entire cost of your roof damage. An unexpected hail storm can sometimes cause multiple thousands of dollars of damage, especially if your roof is older. Additionally, some insurance companies will approve claims for roof repair but not necessarily cover the full cost of a replacement.
Once you’ve filed a claim with your insurance company, you’ll generally pay your deductible, and then the insurance company will help with the rest of the costs depending on the specifics of your plan. Even if your deductible is high, it’s important to get your roof repaired or replaced as soon as you can. A damaged roof left unrepaired can often be significantly more expensive to fix than one that was taken care of right away.
Will Hail Damage Raise My Insurance Rates?
One of the biggest concerns when filing a claim with your insurance company is that your insurance rates may increase significantly. The good news is because the weather is out of your control, so it’s not very common to see a large increase in your rates after your first claim. Additionally, because hail storms are less frequent in Florida than other areas, you generally will not see your rates increase because of hail roof damage.
However, if this is your second or third claim in the last several years, you might see a slight increase in your insurance rates. Be sure to call your insurance company to find out exactly what your plan covers.
How can Elite Remodeling Services Help?
At Elite Remodeling Services, we have extensive experience working with insurance companies, so we know what is generally covered and what is not. With us by your side, you have an ally when it comes to dealing with your insurance!
As often as possible, we work with the insurance company to make sure you are compensated fairly depending on your specific insurance plan, and we’re pros at pushing back when insurance companies refuse to step in when they should. Even if it turns out the damage isn’t covered, we’ll work with you to find a reasonable plan that can help get your home fixed at a price that won’t break the bank.
Get Your Free Roof Inspection!
At Elite Remodeling Services, we work closely with dozens of local and national insurance companies to ensure that you can repair your roof quickly. We do St. Augustine hail damage roof repair, and we’re committed to getting your roof fixed for an affordable price regardless of your specific insurance situation.
If you’ve recently suffered damage from a hail storm, we offer a completely free roof inspection to determine the extent of the damage. Additionally, our team of friendly and knowledgeable experts will work with you every step of the way to make sure the process is both quick and painless. Give us a call today!