Frequently Asked Questions
How do I know if there has been Hail or Storm damage in my area?
Weather reports are a good indicator. Several neighbors are having their roofs or siding replaced. Call our office and ask. We research and maintain National Weather Records.
How can I verify actual damage to my house?
That requires an on site inspection by one of our trained inspectors. We offer a free inspections to any homeowner who has had recent storms in their area
If I have no roof leaks, am I safe?
Hail damage shortens the useful life of a roof causing premature leaks rather than immediate leaks. Therefore, only a site inspection will verify damage or give you the piece of mind of knowing that your home is in sound condition.
Can I wait until a leak occurs to file a claim?
It is not recommended that you wait for a leak to occur, hail damage can go unnoticed for a long period of time and insurance companies allow a short period of time to file a claim. If you wait until your roof is leaking it will likely be too late to file a claim. Also, you risk further damage to your home's interior.
Will my insurance rates go up?
Insurance laws prohibits your insurance company from raising your individual premium (or refusing to renew your policy) because you filed an “act of nature” claim.
Why hasn’t my insurance company contacted me about the damage?
Insurance policies require the Homeowner to file all claims. This is the biggest reason that 85% of all hail-damaged homes never have a claim filed.
After Insurance approval, can I change colors or upgrade materials?
Yes. Insurance will replace equal quality of materials currently on your home and in some case upgrade the material if they can not match your current materials. Color selection will be provided. Many upgrades are included at no additional cost. Others are available at “insurance rates”.
Do I have to obtain a city permit for repairs?
Midwest Hail Restoration Inc. will obtain all necessary permits. We will also assure compliance with all local codes both in construction requirements and administrative requirements including licenses, insurance, bonding, and inspection notification.
How long does it take to get the repairs done once I’ve filed a claim?
Once the insurance settlement is made and colors and materials are selected, repairs are done within a matter of a few days. Weather permitting.
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