Hail season is here! Jared shares some of his personal philosophies when it comes to hail and auto and homeowners insurance.
Question: What if I see hail on the weather forecast?
Answer: If you can prevent an insurance claim, you will save yourself time and money. Claims are not always preventable, of course, but sometimes they can be.
Your auto insurance policy will cover hail damage if you have “comprehensive” coverage for your vehicle. If there is hail damage and if you have comprehensive coverage, you would pay your comprehensive deductible and the insurance company would pay the rest of the damages. That said, making a hail claim on a vehicle is NO FUN at all.
My personal philosophy about this… If you see hail in the weather forecast, if you are able to, do something to protect your vehicle that day. Maybe that would be a great day to clean up the garage and put your vehicles inside. If you have some errands to run in the afternoon and if the forecast is calling for a large hail storm in the afternoon, maybe do your errands the next day and keep your car safe in the garage.
I know that many times there is nothing that we can do to protect our vehicles. I’m just saying that if you have a way to do it, you might save yourself a deductible and a hassle of filing a hail claim on the car.
If your vehicle is damaged by hail, call our office immediately and we can give you guidance.
Question: What if hail hits my home? What should I do?
Answer: Beware the door to door roofing companies. If you think that you have hail, call our office immediately and we can give you guidance. You need a top-notch roofing professional who will give you an unbiased opinion as to the condition of your roof. When the swarms of door knocking roofing companies are out, they will often tell people anything it takes to file a claim. You want an unbiased roofing professional who knows how hail works and who has worked with insurance companies. The process will be much smoother this way. Just give us a call and we will help you.
If you have any questions about hail and insurance, send a text or email to me anytime.