Nov 29, 2016
A simple guide to claiming for hail damage.
Property hail damage
To assist in sorting your insurance claim after a storm, you will need to take the following steps:
First inspect your property to identify any damage caused. Ensure that you take photos for your records. Record the date and time of the hail storm as your insurance company may need to verify the information with the weather bureau.
Be aware of the size of the hailstones as well as the quantity of hail on the ground, your vehicle, roof, patio or any other area of your property. This is important because it indicates the possible level of damage caused. After a storm check for leaks both inside and outside the house – if not attended a leak could lead to more damage and escalated water bills. If you spot damage to shrubs, trees and plants chances are, there will be damage on other areas like the roof, gutters and windows. If you identify any of these problems or if your house is in an emergency situation (leaking roof, broken windows), call your insurance company to identify a local authorized contractor.
Should your house not be in an emergency situation, find a reputable contractor to inspect your roof for hail damage. This service should be free, so beware of signing anything that holds you to paying for the service. Having an inspection will make your life easier when it comes time to making a claim with your insurance company.
Vehicle hail damage
Do not wait to log your claim. Call your insurance company immediately after the storm to report the damage. The insurance company will recommend a preferred car repair supplier. They will either request an assessment from the supplier or send an assessor to your home to evaluate the damage.
It is always helpful to take photos of the hail damage you can send to your insurer; it also means you have a record of it for future reference. Your insurance company will determine the severity of the damage and consult with you and the car repair supplier on what will make most sense for repairing your vehicle.
Always check your vehicle carefully once it has been repaired if you notice any flaws you should be able to have it fixed at no additional charge. It’s also important to check with the repair shop if they offer a guarantee on their work and will repair any areas they may have missed at no additional cost.
Top tips to avoid damage
- The start of the rainy season is the ideal time to ask professional roofers to check your roof for damage or weak spots that will leave it vulnerable to the next hailstorm.
- Keep your gutters clear of leaves, and make sure all gutters can lead large quantities of water to a drain.
- If you have glass doors install storm doors and shutters on the exterior to protect them from damage. If you cannot afford this, replace glass doors with wooden doors or install rails outside the windows with rolled-up plastic sheeting that can be rolled down in the event of a storm.
- Download the WeatherSA app which will assist you in proactively monitoring possible storm conditions.
- Hail causes more damage to moving vehicles due to the speed at which both the car and the hailstones move; ensure you plan your trips so you don’t have to drive during hailstorms, alternatively if you are on the road at the time of a hailstorm find a safe place to take shelter until the storm eases.
Claiming from your insurance
- Having all your records on hand will help you go through the process smoothly.
- Once you’ve submitted your claim, your insurance will send an assessor to your home to assess the financial damage.
- It’s not uncommon that the estimated payout ends up being less than the invoiced amount. This would be dependent on the amount you are covered for.
- Contact your insurance supplier to find out if you are covered for home and vehicle insurance and know the value of your insurance as well as any excess payable.