Storm Damage

When purchasing a homeowner’s insurance policy, it’s critical to understand how different types of coverage affect what you’ll receive when you file a claim. Many policyholders assume they’ll be made whole after a loss, only to be blindsided by fine print that significantly reduces their payout. Three common ways insurance companies calculate payouts for property…

If you have a hail or wind damage roof that is damaged beyond repair, your homeowner’s insurance company will pay to restore your roof to its “pre-loss condition” with “like kind and quality materials”.  In other words, the insurance company will pay the full “replacement cost” of your roof with the same or similar roofing…

As a homeowner, you may not be aware of hail damage to your roof following a severe storm. In many cases, hail damage to roof tops cannot be seen from the ground, so the idea of hail damage may not have crossed your mind. Likewise, wind damage to your shingles may not be visible from the ground. Thus, you should always request a…