If the roof of your Lafayette, LA, home was damaged by the hailstorm of April 2, 2017, you face an April 2019 deadline to file an insurance claim. This storm was a significant hail event that will be remembered for years. Was your roof among those in the Lafayette area damaged by the 2.25” inch hailstones that fell that day?
You May Be Covered and Not Know It
If your roof sustained damage from that hailstorm, it’s possible your homeowner’s insurance policy covers the damage and you may not be aware of that. Check your policy – or call your insurance carrier to find out how you should proceed because time is running out. The Louisiana Department of Insurance allows homeowners two years to file a claim relating to damage caused by a catastrophic weather event. The storm of April 2, 2017, was big enough that it has resulted in many insurance claims across the Lafayette, LA, area.
It’s a common misconception that hail and wind damage is covered only if it results from a named storm, a hurricane or tropical depression. In fact, most insurers cover hail and wind damage from other significant storms as well.
The homeowner is responsible for filing a claim. It’s possible that your insurance policy will cover the full cost of replacing your roof. Or, your policy may limit full replacement coverage to claims that are filed within 6 months of the damage. In that case, the insurance company will pay actual cash value (ACV). Actual cash value is always less than the full replacement cost. ACV is determined by a formula that takes depreciation into account. The insurance company determines depreciation based on the age of the roof and their insurance adjustor’s visual assessment of its condition.
If you are uncertain about any of this information, your best action is to call your insurance company to start the process of filing a claim.
Hail Damage Can Lead to Significant Water Damage
Why should this April 2019 deadline be so important to you? We have written before about the necessity of having your roof repaired or replaced if it is damaged by hail. Hail damage is insidious in that you cannot usually see its effects by standing in the yard and looking up at your roof. Hail damage to roofing shingles puts your entire home at risk of water damage.
If asphalt roofing shingles are bruised by hail, they lose some of their protective qualities. Any water seeping through damaged shingles can cause extensive – and expensive – damage to your home. The sooner you have your roof inspected, the better. We do not want you to miss the 2-year deadline to file an insurance claim and miss out on having your roof damage covered by your insurance policy. Events like the April 2, 2017, hailstorm in Lafayette, LA, are why you have homeowners’ insurance.
Sibley Construction Services specializes in Lafayette Parish, LA, roof repair and replacement. We can also work with your insurance company to carry out the work that needs to be done whether your roof needs repairs or replacement. In Lafayette, LA, call Sibley Construction Services at (337) 264-9238.