Living in Queensland can be both fascinating and frustrating especially during days of ugly weather. And good residents of Queensland have gotten used to it all—severe spring or summer storms, life goes on.
Often occurring during the end of September through to November, the chilly winter air begins to move out, as the warmer spring temperatures set in. However, as the warm Gulf breezes burst when cold air remains in the atmosphere; it becomes a recipe for fierce thunderstorms. During times when activities in the upper atmosphere turn volatile, super cells form. These can grow into tropical cyclones, hail storms or strong winds—harsh weather elements that are becoming commonplace in Queensland—moving in cycle like a clock hand.
Thankfully, roofs of those residing along the path of such strong storms can still withstand the wind and hail damage.
If your rooftop is at least 15 years, it doesn’t need large hailstones to damage your roof tiles. A hail storm marked 1″ hail is strong enough to cause hail damage to a 15-year old roof especially when it’s accompanied with winds moving at speeds of 65-80mph.
Usually, the thunderstorms happen any time of day or night. In most cases, homeowners living in the path of a fast-moving storm may sustain damage but never get to realise. This could have happened while they were sleeping or away from home.
There are 5 quick steps we recommend you follow after a heavy storm. These steps are the best way to file your insurance claim, and ensure you’re not being taken for a ride by storm chasing roofing companies from outside the state.
Step 1 – Call a Local and Trusted Roofing Contractor
A company like Storm Assist can be of help. You can schedule a free roof inspection. The company will send an expert roof contractor to conduct a full roof analysis after which they can advise whether or not the damage from the storm is substantial to warrant lodging a claim with your insurer. As storm experts, Storm Assist are reliable and will assess your storm damage and assist you in filing a claim if need be.
Step 2 – True Assessment
If you have a valid claim, a good roofing company will assist you in calling up your insurer to start the process of filing the claim. Always keep your policy handy so you can quickly provide any information required. Also note the day the storm occurred as your insurance company will ask for it too.
Step 3 – Insurance Adjuster Roof Inspection Assistance Available
Many a times when you contact your insurer, you’ll be given a date and time when the insurance adjuster will come to inspect your roof to determine if your loss will be covered. You can share this information with Storm Assist’s qualified roofing experts to be present and fight for you when the adjuster comes. If not, most adjusters conclude that the damage is minimal and there’s no need to replace the roof, hence a simple roof repair will be recommended instead—and many times, it won’t be enough funds to even cover the deductible.
Step 4 – Approval of Your Insurance Claim
As much as possible, be present when the adjuster comes to inspect your roof. Most of the times, there could be an interior damage done to your ceiling or drywall from the roof leakage caused by the storm. Hence, the adjuster may require access to the inside, making it necessary for you to be present. Sometimes the adjuster may issue a check on the spot if the claim is approved. They’ll make the first payment usually referred to as the Actual Cash Value payment and settle the remaining later after submitting invoices of roof repairs or replacements from your roofing company. The insurance company will then make the second payment known as the Recoverable Depreciation. Insurers never pay the entire sum of claims up-front.
Step 5 – All You’ve To Pay For Is Your Deductible
I bet majority of homeowners have been told by their roofers that they are not required to pay for their deductible. Well, that’s untrue. Payment of deductibles by policy holders is a requirement by the State Insurance Commissioner. As such, you must be careful to pay your deductible. If a roofing company cuts corners on the deductible rule, then ask yourself, what other corners could they be cutting up on your roof that are hidden?
Reliable Roofing Company
Working with a reliable company will enable you to sleep peacefully knowing you’re fully covered. Keep in mind that your roof is your first line of defense against everything Mother Nature has to throw at you—go for a trustworthy roofing company that will give you value for your financial commitment.
The information contained in this article is of a general nature only. It does not take your specific needs, objectives or circumstances into consideration, and is not financial advice, legal advice or otherwise a recommendation to purchase any financial product or insurance policy. You should seek your own independent financial advice from a qualified financial and insurance adviser before making any financial decisions, and seek your own independent legal advice from a qualified solicitor before making any decisions of a legal nature.