Storm Season Is Here
Oklahoma has experienced some intense hail storms already this past month. Hail can cause some critical damage to your home and ignoring it is a very dangerous game that can lead to many problems down the road. We know it is a devastating time when storms hit your Oklahoma home but we are here to help on what to do if you experience damages to your gutters, roof, or any other part of your home.
First Steps: Signs Of Damage
Hailstones travel at a much faster speed than raindrops because of its weight-adding size. We have experienced hail as small as peas but recently experienced it as big as a golf ball. Upon impact on your gutters and roof; hail can create huge dents and cracks. The first step to do after a hail storm is to inspect your home. On your roof look for:
- Missing pieces of asphalt or cracks in your shingles
- Small dents in metal flashing, valleys, and roof vents
- Look for the black substrate in your shingles
When inspecting your gutters look for:
- Dents in your gutters, downspouts, LeafGuard®, and screens or toppers
- Sagging or gapping gutters.
- Stains on your siding. This is a sign your gutters are leaking onto the side of your home.
Contacting Your Insurance Agent
Immediately contact your insurance agent to find out:
- Whether the damage is covered under the terms of your policy
- How long you have to file a claim
- Whether your claim exceeds your deductible
- How long it will take to process the claim
- Whether you’ll need estimates for repairs
They will give you all the information to take the next steps in filing a claim. An adjuster will come out to your home to assess the damage. Before they come out it is very important to have as much information about your damaged possessions.
- Prepare an inventory of damaged or destroyed items and give a copy to the adjuster along with copies of any receipts. Consider taking photos or videos of the damage for better proof.
- Identify any structural damage to your home: like your gutters, roof, or siding. Make a list of everything you want to show the adjuster.
- Get written bids from licensed contractors. The bids should include details of the materials to be used and prices on a line by line basis. This will help make your claim faster and more simple.
- Keep copies of the lists and other documents you submit to your insurance company. Also keep copies of paperwork you give to your insurance company: your written bids, adjusters papers, the contact information of people you spoke to.
From there, they will process your claim and determine how much you will receive from your insurance. After your claim has been settled and the repair work is underway, it is a good idea to re-evaluate your homeowner’s insurance coverage. It also is a great time to figure out what other exterior projects around your home that you can do to lower your homeowner’s insurance.
LeafGuard® Of Oklahoma Is Here To Help
As your local contractor, we have advanced storm damage assessment professionals that can provide an extensive and efficient assessment of your home. We are licensed, local, and ready to help. We have been in business serving Oklahoma since 2014. We have a vast knowledge of how severe weather affects your home. Call us today to get a free storm damage assessment! Let us help you take some of that stress away!