Well, even though we’re still technically in the spring season, we have seen some wicked storms so far. As I type this blog post, they are calling for more hail through the central PA area tomorrow. The question is: Do you have the right coverage for your car and home?
Car vs. Hail
If you have “full coverage” on your vehicle, then you automatically have coverage for hail damage that you might get from being out in the storm. The specific coverage that responds to hail damage is the “Comprehensive” coverage part of the full coverage. Before you start falling asleep, just hear me out. This “Comprehensive” coverage will cover mostly everything other than a collision – hitting an animal, the vehicle being stolen or vandalized, hail damage, a tree falling on it, etc. It’s called “Comprehensive” for a reason. You will most likely have a deductible with this coverage.
Home vs. Hail
If you have homeowner’s insurance, then you have coverage for hail. I wish I could just leave it at that, but there are some things to clarify. For example, if you have roof damage to your home due to a strong hail storm, then the insurance company typically will pay for the damage. Let me say that again. They will pay for the damaged parts. Not the undamaged parts. If you have a few shingles that are cracked or broken off, that doesn’t automatically mean a whole new roof. You need to watch out for roofing contractors who will tell you otherwise. Think about it – they are in the business to replace roofs. Not just a couple of shingles. We know for a fact that roofing companies from out of state will come into our area, into neighborhoods where homes were hit, and tell everyone that a brand new roof is needed on every home. It’s a big pay day for them!! Unfortunately, the insurance company is not in the business of magically granting the roofing company’s wishes for new roofs for everyone! They aren’t Oprah. Wouldn’t it be nice if they could though? If money just grew on trees? But it simply doesn’t work that way. They have to protect the premiums of everyone who has insurance with them, including you! The insurance company’s job is to get you back to where you were before the damage happened. If the roof is really damaged badly, then the insurance company will respond responsibly and replace the roof. If you have a few shingles damaged, they will pay to replace those shingles once your deductible is met. Make sense?
If not, or if you want to know more about this topic, we are always here to answer questions for you! Call us at 717-755-2335 or email us at firstname.lastname@example.org.
Side note: Some of our companies offer a bonus coverage that you can purchase. What if your damaged roof tiles are replaced with new ones, but they don’t match your existing roof because the color code or style is no longer available? This bonus coverage will help in these instances. This also applies to your siding too! Call us or email for more details or to see if you have this extra coverage already!