When fierce winds howl and hail stones hammer down, the safety and integrity of your roof can be compromised. Understanding why your insurance is liable to pay for wind or hail damage is crucial for every homeowner. At Atlas Adjusting, we're here to help you navigate the often murky waters of insurance claims to ensure that your home remains a safe haven.

The Basis of Coverage

Most homeowner insurance policies include coverage for "perils," which are specific causes of loss covered under the policy. Wind and hail are typically listed as covered perils because they are natural, unpredictable events that can cause significant damage to property. Here's why insurance companies are generally liable for covering this type of damage:

1. Standard Policy Inclusions: Wind and hail damage are common inclusions in standard homeowner policies. These perils are considered external, uncontrollable forces that the homeowner cannot prevent.
2. Structural Integrity: Roofs are essential for the structural integrity and safety of a home. Insurance policies are designed to return your property to a pre-loss condition without depreciation due to wear and tear.
3. Financial Protection: Insurance is fundamentally about protection against financial loss. Wind and hail can cause extensive damage that is financially burdensome to repair. Coverage ensures that homeowners can restore their homes without facing financial ruin.

Documenting Your Claim

A successful claim process begins with proper documentation. After a wind or hail event, it's important to:

• Inspect Your Roof: As soon as it's safe, inspect your roof for signs of damage. Look for missing shingles, dents in asphalt shingles from hail, or any breaches in the roof.
• Take Photos: Document all damages with clear photos. These will be critical when you file your claim as proof of the extent and timing of the damage.
• Keep Records: Maintain a record of all communications with your insurance company, including dates and summaries of conversations.

Filing Your Claim

Filing a claim should be done promptly to avoid any disputes about the timing of the damage:

• Report Quickly: Contact your insurance provider as soon as possible after discovering the damage.
• Provide Documentation: Submit your photos and any other documentation you've collected. Detailed records can speed up the claims process and help ensure that you receive adequate compensation.
• Work with Professionals: Consider hiring a public adjuster like Atlas Adjusting. We specialize in managing the claim process, from initial assessment to final negotiations with the insurance company, ensuring you get the maximum payout you're entitled to.

Conclusion

Wind and hail damage to your roof can be stressful, but knowing that your insurance is designed to cover these perils can provide peace of mind. At Atlas Adjusting, we're committed to ensuring that homeowners receive fair and just treatment from their insurance providers. We advocate for your rights, guide you through the claim filing process, and help manage repairs to make sure your home is restored to its former safety and beauty. If you're facing roof damage from wind or hail, don't navigate the claims process alone—let Atlas Adjusting help you every step of the way.