Navigating Hail Damage Claims
A Step-by-Step Guide from Your Trusted Insurance Agency
Hail season approaches! Here in Texas, things get gnarly from February through June, and as we have seen the past few years… Hailstorms can wreak havoc on your property, causing damage to both your home and vehicle.
As your dedicated insurance agency, we understand the stress that comes with such unexpected events. In this article, we’ll guide you through the essential steps to take if you find yourself facing a hail damage claim.
For Home/Property
Step 1. Prevent Further Damage
In the immediate aftermath of hailstorm damage, the first thing to do take proactive measures to prevent further damage to your home. If there is water leakage, place buckets strategically to collect water. Utilize fans to dry affected areas and prevent mold, and cover broken windows with plastic to minimize exposure to the elements.
Step 2. Contact Roofers
Swiftly reach out to a reputable contractor to assess the damage and provide cost estimates for repairs. You are more than welcome to use whoever you would like, so if you have a trusted source in mind please feel free to use that person. However, if you need some help, here are our preferred roofers who we have worked with for years, and we know will take good care of you:
– Rob Wesley at Mammoth Roofs (210-410-5809, [email protected])
– Sean Ried at Quick Roofing (817.723.5880, [email protected])
Step 3. Obtain Cost Estimates
Before filing a claim, it’s often prudent to gather cost estimates for repairs. In many cases, damages may fall below your insurance deductible.
Step 4. Contact Us To Know Your Deductible
Contact us at 210.722.5292 to know your deductible and make an informed decision about filing a claim.
For Auto
Hail Damage and Un Drivable Vehicle
This is urgent. If your vehicle has glass damage and is undrivable, file a claim immediately. Rental companies tend to get overwhelmed quickly, so prompt action is crucial. During overnight or evening storms, many people wait until the morning to file claims. We recommend to call in as soon as you find out there are damages to beat the rush.
During your initial claims call, inquire about rental vehicle coverage and how to obtain your reservation. The adjuster should tee you up with a rental agency – IMPORTANT – It’s essential to note that a reservation doesn’t guarantee an available car. After your claims call, promptly contact the rental company to confirm your reservation and ensure they have a vehicle ready for you.
If you need your claims or policy number, please don’t hesitate to reach out to us at 210-722-5292
Hail Damage and Drivable Vehicle
If you can still drive, a rental is not as urgent. We would recommend to file as soon as you can, but expect a bit of a delay on rentals as the carriers/rental agencies get the emergency situations sorted first. The sooner you call however, the sooner you will be handled so it is recommended to call this in asap.
Conclusion
At Mojo Insurance, we’re committed to providing you with the support and guidance needed in the aftermath of a hailstorm. Following these steps will help streamline the claims process and ensure a swift resolution. If you have any questions or need assistance, don’t hesitate to reach out to us at 210-722-5292.
Stay protected, and let us help you keep your mojo!