Oh, Hail No! What to Do After a Hailstorm

By Thomas Foran, Cellucci Foran Insurance

A hailstorm just blew through your neighborhood, potentially leaving your roof and windows in its wake. Dealing with the aftermath of a storm can be stressful, but knowing the right steps to take can make the recovery process much smoother.

Initial Steps After the Storm

When the storm has passed and it is officially safe to go outside, you should immediately inspect your property for any damage to your car or home. I recommend contacting your insurance agent right away if you suspect hail damage has occurred.

As your agent, I know the “ins and outs” of your specific policy and can help you determine whether you should file a claim to cover the cost of repairs. To help your agent and the insurance adjuster, be sure to:

  • Record the date and timeframe of the storm.
  • Take photos of the damage to support your claim.

Identifying Common Signs of Hail Damage
Hail damage often appears in common areas like the roof, siding, windows, outdoor furniture, and vehicles.

Damage to Your Vehicle

  • Chipped or cracked windshields.
  • Dents on the roof or other body panels.
  • Minor dings or paint scratches.

Damage to Your Home

  • Dents in gutters or outside vents.
  • Chipped or cracked windows or skylights.
  • Damage appearing prominently on one side of the roof.
  • “Bruises” or dark spots on shingles in a random pattern.

While some damage is easy to spot, it can be difficult to tell the difference between hail impact, installation errors, or manufacturing defects. A trained insurance adjuster, such as those at Erie Insurance, is skilled at diagnosing these problems and distinguishing hail damage from regular wear and tear.

Hiring a Reliable Contractor

As you begin searching for a contractor to handle repairs, keep these tips in mind to avoid common scams:

  • Get multiple estimates: Don’t rely on a single quote. Research and get estimates from three to four different contractors to ensure you are getting fair pricing and quality work.
  • Verify credentials: Always ask to see their license and proof of insurance. Ensure both are authentic and up to date.
  • Check references: Ask if they have worked on similar projects and if their previous customers speak highly of them.
  • Watch for Storm Chasers: Beware of fraudulent roofing contractors who emerge after a storm. These “storm chasers” may pressure you into a quick decision or make offers that seem too good to be true.

Understanding Your Coverage

Hail damage can cost hundreds or even thousands of dollars, depending on the severity of the storm. Generally, most homeowners’ policies cover damage from hail and wind. However, because coverage can vary, it is vital to check the specifics of your policy with your agent.

Uncertainty is a part of life, but that is exactly why you have insurance. At Cellucci Foran Insurance, we can explain the options available through Erie Insurance and help you get a customized quote for your home.

Expert Article by Tom Foran of Cellucci Foran Insurance. Visit them online at www.CellucciForanInsurance.com or contact Tom at Tom@cfinsureme.com or by phone at 610-544-1908.

Getting Quotes for a New Roof

By Michael Shaw, Mikey Shaw Roofing

Your roof plays a critical role in protecting your home, making it one of its most essential components. When replacement becomes necessary, taking the time to research and select an experienced, properly credentialed contractor is key. Recommendations can come from many places, but it’s wise to look beyond a single source before reaching out. Talk with neighbors and relatives about who they hired and how the project went, and consider visiting a local roofing supplier to ask for contractor referrals.

Once you’ve done that, narrow your options and request quotes from three roofing professionals, preferably those with plenty of experience and great reviews. While pricing is important, it shouldn’t be your only focus. Estimates should generally fall within a close range of each other; larger gaps often indicate differences such as scope of work, heavy advertising costs or missing insurance or certifications. Reviewing and comparing the scope of work is one of the most important steps a homeowner can take. Each estimate should spell out the scope of work, including the number of existing shingle layers to be removed, along with specific materials such as the type of plywood if required, ice and water protection, shingle type, ridge ventilation and caps.

To help with your final decision, keep this checklist in mind:

  • Discuss scheduling, project length, dumpsters and material deliveries. Communication should stay consistent throughout the job.
  • During the estimate, ask about ventilation, insulation, decking condition, flashing and warranties. Ask if the contractor sees any potential issues—they should point them out.
  • Ask about manufacturer warranties covering materials and labor. Extended warranties can be costly, but proper installation should always meet code requirements.
  • Ask for local references and check out online reviews.
  • Trust your instincts and choose the company that feels right.

When the time comes to replace your roof, it is important to do your research and hire a reputable and knowledgeable company.

Expert Article on Home Improvement / Roofing provided by Mikey Shaw Roofing. For more information contact Mikey Shaw at 267-460-3784 or mshawroofingrequest@gmail.com. Website: MikeyShawRoofing.com