Insurance Claims and their Misconceptions

Dec 13, 2022 | Blog


Hail or wind damage doesn’t mean you are going to have leaking or interior damage. Insurance companies replace siding and roofing without interior damage. When a home’s exterior is damaged by wind or hail, the chance of interior damage increases. But, so does the chance of out-of-pocket expenses. If an insurance company shows that you could have avoided the interior damage, or any other damage, then you will have more difficulty with getting everything covered. Taking responsibility early, by getting yearly inspections shows a policy holder’s ability to avoid damage. This makes covering everything easier during the insurance claim.


Your subject is what insurance companies call “Date of Loss.” The date of loss is nearly irrelevant. If you have wind damage from six month ago, the date of loss is the date of that storm, even if you didn’t know you had wind damage. Yes, even if you found it a year after the date of loss. Hail damage, for instance, isn’t recognizable when it happens. Hail hits damage the granules that cover the matting of a shingle. Less granules allow UV light from the sun to age the shingle faster. This decreases the life of a roof. Hail damage isn’t noticeable and can only be seen with an experienced inspector. Wind damage may also occur without causing noticeable damage for months


An “Act of God” type of claim, from wind or hail damage, is unavoidable. It is not your fault. Your rates will not increase on an individual basis. To compare a homeowner’s insurance policy to car insurance is useful. Think about hitting a pole or hitting a deer. The first incident was avoidable, the second one wasn’t. Wind and hail damage are unavoidable claims in which you are not at fault. This type of claim will not increase your rates. What will happen, however, is rates will increase by zip code. If many of your neighbors are getting their roofs replaced through insurance claims, your premiums will increase, regardless of you filing a claim or not.

Hire a Roofing Crew You Can Trust

Impact Roofing & Construction is dedicated to helping our customers install high-quality roofs that will last for years. Whether your roof is old or damaged by a storm, our team can help you install a brand-new roof that you will love! We will guide you through every step, answering your questions and addressing your concerns whenever they arise.

We get it—roofers have a bad reputation. That’s why Impact Roofing & Construction strives to be a different type of roofing company, one that is always here when you need us most. We can even help you navigate your next insurance claim. As locals in the area, we are committed to serving our community with exceptional service.

Ready to improve or upgrade your roof? Contact us today to schedule your free inspection.