The strongest Hail Storm in all of 2009 for Georgia happened in a small southern sleepy town of Aaron. Incredible tennis ball sized hail of almost 3″ in diameter terrified residents and caused over $5 million in damage… and counting. Car owners were quick to file claims on their dented vehicles and broken windows.
But most homeowners don’t realize that their roofs don’t have to leak to file an Insurance claim, nor do they realize that if they do file a claim- their Insurance rates can’t go up (act of nature). In fact, even if homeowners had an old roof to begin with (say 10-25 years old) they can receive a new and complete roof for the cost of the deductible (usually $500). On larger homes and businesses many roofs are replaced for free because the roofers or general contractors will absorb the cost of the deductible in their profits. There are people who call themselves “Insurance Specialists” that can be the real deal and even save you thousands on the proper pay out from the insurance company- but there are ones out to scam you by collecting a check and fleeing (typically not local). Make sure to get a free roof inspection but also make sure to pay nothing to any contractor until after receiving the check from your adjuster first. Many new roofs can cost between $5,000 to $20,000 on residential homes (churches and businesses even more). A hail claim is a complete win situation for the homeowner, not so much for Insurance companies.