The rain and hail experienced across the country has resulted in numerous accounts of water and hail damage to vehicles and property.
If you have experienced hail damage, take precautions by following the tips below.
Tips for Immediate Action
- Make personal safety your first priority. Remember, windows may be broken and high winds may have knocked down trees and power lines.
- Look for broken glass, sharp objects and live wires.
- Wear proper shoes and gloves.
- Don’t use rain-soaked electrical equipment.
Report Your Claim
Call your insurer to file a claim if you have damage from a hailstorm. Provide at least a general description of your damage. A representative should walk you through your claim, recording the details.
Make Temporary Repairs
If you have hail damage to the roof of your property or your car, you are responsible for taking action to avoid further damage.
If you can, cover broken windows and holes in roofs with tarps or plywood to prevent water damage. Move wet items to drier ground, and wash and dry whatever you can. If you aren’t sure what temporary repairs are necessary to ensure safety, professionals can help.
Either talk to your insurer for referrals or let GetMore find them for you. We will find reputable, registered contractors in your area.
As part of documenting the damage, remember to save all receipts from any temporary fixes.
Review Your Insurance Policy
Your insurance policy typically covers the cost to repair common hail damage—including damage to roofs, walls and cars, and your personal belongings. Check your policy to see what’s covered and to help you prepare questions for your claims representative.
Document Your Damage
As soon as you can, make a thorough list of items that the hail storm damaged. This information will help to process your claim faster. Document the damage with photos, video, bills and receipts. Also, don’t throw out damaged items—especially expensive items.
Schedule Permanent Repairs
Your insurer will usually require you to wait until their claims representative has assessed your damage before you begin making permanent repairs. However, try to schedule permanent repairs as soon as possible because contractors can be difficult to schedule after a storm. Use a local, licenced, bonded and insured contractor—and always check references.
Your insurer may provide a contractor referral service so check with them before you contract any suppliers.
Are you satisfied with your current insurer? Do you have peace of mind that you are covered should something go wrong? Speak to GetMore for a competitive quote from our reputable insurers. We will also give you advice and guidance to ensure you get the best cover at the right price.