Since damage cannot be seen from the ground, you will need to hire someone to look at it. Although there are an abundant of roofers ready to serve you, it is better to get someone with the proper qualifications that is recognized by the insurance industry.
When a claim is filed , an insurance company will hire an independent company to inspect your property. The individual is not permitted to share any information with you following the inspection. His role is basically a messenger, providing photos to an office adjustor, who will ultimately approve or disapprove your claim.
Unfortunately, there are no formulas for determining whether or not your roof has been damaged by hail. Conclusions are purely opinion-based.
Hail impact to an asphalt shingle will cause an acceleration of aggregate loss. Anotherwards, the life expectancy of your roof has been compromised.
NO ! Since storm damage is an act of God, filing this type of claim will not affect your premium.
The statue of limitations in NC and SC is 3 years, but a lot of insurance companies in recent years have allowed even more time. To be certain, you will need to check your policy's declarations to see if there is a time limit for filing .
If it has been more than 3 years, we can
file a new claim. More recent claims CA be reopened.