With spring right around the corner, hailstorm season will soon be upon us. Unfortunately, occasionally, hail can cause quite a bit of damage; thank goodness most hailstorms are fairly innocuous! You really just never know, so it’s important to be prepared for the possibility of hail damage to your home.
If your home sustains damage from a hailstorm, it is sometimes tough to decide whether or not to make a claim with your homeowners insurance company to have the damage repaired for fear that your insurance premium will be increased as a result. Luckily, most homeowners policies do cover hail damage; it’s considered an act of nature, so filing a claim is not likely to cause your rates to go up.
Insurance companies will typically, however, repair only the parts of your home that sustained hail damage. This can result – as was the case with us when our home was damaged a few years back after a very severe hailstorm – in having perhaps only one or two sides of your home re-sided, leaving you to try to find siding that matches the rest of your home or paying for the sides that do not have hail damage in order to have your entire home’s siding be of the same make and color.
Before you are subjected to the chance of hailstorm damage to your home this season, contact your insurance company to find out what your coverage might be; it may be possible to increase your coverage to include re-siding of your entire home should you be unable to match your old siding to new, replacement siding.
12. March 2010
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