Hail Damage Repair Cost
The cost of repairing your property from hail damage can be quite expensive. Most of the time you’ll have automobile or homeowners insurance that can cover the cost of most of the damage, but that will not always be the case. Let’s start with discussing what hail is:
Hail is basically ice falling from the sky and the size of the chunks of ice can vary quite a bit. Sometimes hail will come with rain and sometimes it will just be hail. It doesn’t usually hail for very long, but when it does, it can cause a tremendous amount of damage. Aside from the cost of the damaged glass which is usually replaced, there will usually be dimpling on the body panels, hood, and trunk of a car, truck, or minivan. While each of those dents in and of themselves isn’t an issue and it generally want damage the vehicles functionality, it can be extremely expensive to repair. Often times folks can purchase vehicles with salvage titles because of the hail damage even if the damage is purely cosmetic. The cost of the damage can easily run thousands of dollars and unless it is a fairly expensive vehicle, it can run above 75% of the cost of the vehicle. The reason why that 75% number is so important is because most insurance companies will consider a vehicle a total loss if it runs more than that. It’s easy to understand why when you consider that the initial estimates of the damages on a vehicle can vary, so if it was 75% of the value of the car to begin with, by the time they open everything up and begin the work you can easily find yourself in a situation where the insurance company is at risk of paying more for the repairs than the cost of replacing the car in the first place.
Roof Hail Damage Repair Cost
When it comes to the hail damage repair cost on your home, you have a different issue. One of the problems with the cost of repairing hail damage on a roof is that it may not have completely destroyed the roof, it may have only worn it down prematurely, but not even entirely. For example, if you had your roof replaced recently and then a hail storm came along, you may have a few shingles that need to be replaced, but you might only be able to get 15 years out of the 30 year roof you put on. It’s difficult to gauge these things which is a part of the hidden cost of hail damage to the roof of a homeowner. In a situation like this the best thing you can do is to document everything as it’s happening so that you can show your insurance company what caused the damage and prove when it happened. It’s generally understood that in the event of a hail storm damage will occur to roofs and it’s not uncommon for insurance companies to simply settle claims in a given area without looking at the roofs because they know that the cost of processing the claims and inspecting each individual claim along with paying the appropriate claims to repair the hail damage may be more than simply presuming everyone in the area had damage to their roofs and siding. You’ll want to be sure to document any repairs that you make as well, because if you can’t prove that you had the roof replaced with the money they gave you and another accident happened where your roof was damaged, you would be in a situation where you would be at risk of not having the claim paid.