Myths and Facts About Hail Damage

Myth: I'm not missing any shingles so I must not have damage.

Fact: Hail Storms may not remove shingles depending on the wind during the storm, but may very well cause leakage for years after a hail storm.

Myth: My roof is new so it's covered by the manufacturer's warranty, home builder, or contractor.

Fact: Most, if not all manufacturer's specifically name hail as an exclusion to their product warranty, so do home builders and roofing contractors. Newer roofs can actually be more susceptible to hail damage versus older roofs due to the time it takes a new roof to cure from exposure to the elements.

Myth: I was told by the insurance adjuster that my roof has minimal or very little damage and thus I don't need to file a claim.

Fact: If your roof has any damage what-so-ever you have a valid insurance claim and should file with your insurance company. Damage might not cause your roof to leak today, but the odds are good that it may cause your roof to leak down the road. This is why it's important to have a qualified, non biased expert inspect your roof.

Myth: My insurance company will cancel my policy if I file a claim.

Fact: Texas Insurance Laws prohibit insurance companies from cancelling policies for filing claims arising from severe weather related events. Check your policy language or just call us.

Myth: If I don't file my claim, my insurance company won't raise my rates.

Fact: After a disaster, insurance companies may raise every one's rates. By not filing your claim, your personal rate increase is paying for everyone else's damage except yours.

Myth: I looked at my roof and didn't see any problems.

Fact: Roofing systems must be physically inspected by an individual trained and experienced to determine if there is actual hail damage. And while insurance companies send their adjusters to special training, some of the insurers may look the other way to avoid paying a claim.