04/29/2026
🚨 Heads up, homeowners! We’re seeing a trend in our area and we want to make sure you have the facts. 🏠⚡️
You may have received a letter or even had someone knock on your door saying you might have storm damage from the recent hail and they will reference the specific date of that storm. 🌩️💥
While storms can absolutely cause roof damage that may be covered by your homeowner's insurance policy, please know this is also a common marketing tactic. Some roofing companies go door-to-door and send mailings to drum up business—and their message often sounds like:
📣 “We’ve helped thousands of homeowners get a full insurance-covered roof replacement after storms just like this”
Here are the facts to consider âś…
🔍 Storms in our area have increased—including severe thunderstorms and hail.
âś… Yes, you could have damage from a recent storm.
đź“ť But the way a roofing contractor inspects vs. how an insurance adjuster inspects can be very different.
🏦 Homeowners insurance is meant to cover damage from a sudden occurrence (like a storm), subject to your policy deductible.
⚠️ The catch: if roof issues are the result of minor damage over multiple storms over several years, that may not meet the definition of a single "occurrence.”
🚦 If you notice damage after a recent storm, proceed with caution: ❌ Don’t sign any contracts on the spot.
⏳ If you plan to file a claim, wait for your adjustor to contact you about what they need from the roofing contractor to substantiate damage. They may ask you to get a second opinion.
📸 Photos help—they can show whether damage looks recent or if oxidization has occurred, indicating older damage.
When in doubt, call our office! Stay informed, take your time, and protect yourself. đź’™đźŹ
