Extensive storm damage is a nightmare scenario for many home owners, particularly because of the havoc severe weather can wreak on your roofing system. If your San Antonio roof survives the storm event itself, you’re left dealing with the expensive fallout, including hiring a contractor to make repairs and wrangling with your insurance company for coverage.
Hail is a familiar bane for Texas homeowners, accounting for a hefty percentage of claims filed in the state each year. But how much money can you expect to get out of your insurer if your home suffers damage in a hailstorm?
What’s the Average Hail Damage Payout for a Roof in San Antonio, TX?
Any experienced roofer in San Antonio can tell you that hail is a serious concern. Doppler radar has picked up signs of hail in the San Antonio area nine times so far this year, and Texas routinely processes more hail damage insurance claims than any other state.
The average amount insurance companies will pay out for hail damage is $12,000. However, there are several compounding factors that can increase or reduce this number, and the process of filing an insurance claim for hail damage can itself be pricey and complicated.
Factors Affecting Hail Damage Insurance Payouts
Here are some of the details that may influence the total amount your insurance company pays toward fixing or replacing your roof in San Antonio, TX.
1. The Extent of the Damage
How badly your roofing system is damaged is one of the primary factors that determines how much money you’ll get from your claim. Take several pictures and videos of the destruction, including photos showing the size of the hailstones if possible.
While you shouldn’t make permanent repairs until after your claim is processed, it’s wise to get an assessment from a professional roofer in San Antonio that estimates how much it will cost to repair or replace your roof.
2. A History of Maintenance
Preventative maintenance for your roof does more than fix superficial damage. If you can provide documentation showing that your rooftop was in great condition before the storm, you’ll be in a stronger position when it’s time to prove the validity of your claim and the extent of the damage you’re seeking coverage for.
3. Working with a Licensed San Antonio Roofer
Negotiating with insurance companies is a notoriously fraught process. Keeping track of every conversation, assessment, and piece of paperwork quickly becomes a full-time job. Many homeowners end up missing out on the coverage they deserve because they become too frustrated or overwhelmed with the process to advocate for themselves.
Fortunately, the best professional roofing companies have extensive experience with handling insurance claims for their clients. Working with a top-notch contractor can save you the headache of dealing with you insurance company yourself. Plus, your contractor’s expertise guarantees you’ll get the full amount you deserve to repair or replace your roof.
Hail Wrecked My San Antonio Roof. What’s Next?
If a storm destroys your rooftop, one of the best things you can do for yourself and your property is to get in touch with a licensed San Antonio roofer right away. Top Notch Roofing has years of experience helping homeowners negotiate with their insurance companies for coverage. We’ll be happy to provide you with a free estimate and walk you through the next steps of the process.