The $15,000 Mistake Homeowners Make After a Hailstorm
Hailstorms can be sudden and fierce, leaving a trail of destruction in their wake. For homeowners, the aftermath often involves assessing damage and initiating repairs. However, a critical misstep during this process can lead to unforeseen expenses, sometimes reaching as high as $15,000. Understanding this potential pitfall is essential to protect both your home and your finances.
The Immediate Aftermath: Assessing the Damage
After a hailstorm, it's natural to inspect your property for visible signs of damage. While shattered windows or dented vehicles are obvious indicators, roof damage can be more insidious. Hail as small as 1 inch in diameter can compromise the integrity of roofing materials, leading to leaks and structural issues over time.
The Cost of Neglecting Roof Inspections
One of the most significant mistakes homeowners make is neglecting a professional roof inspection after a hailstorm. Superficial assessments may overlook subtle damages that can escalate into major problems. The cost of repairing hail damage varies widely, with averages around $4,250, but can range from as low as $375 to as high as $7,500, depending on the extent of the damage and materials used. Delaying or ignoring necessary repairs can lead to more severe structural issues, potentially doubling these costs.
Insurance Claims: A Double-Edged Sword
Filing an insurance claim seems like the logical step after discovering hail damage. However, this process is fraught with complexities. While insurance may cover a portion of the repair costs, homeowners often face high deductibles and depreciation factors. For instance, an insurance payout of $7,000 might be approved for hail damage, but with high deductibles and depreciation, this amount could cover less than 50% of the total replacement cost, leaving homeowners to cover the remaining balance out-of-pocket.

The Premium Hike After a Claim
Another overlooked consequence of filing a claim is the potential increase in insurance premiums. Some homeowners have reported premium hikes of over 100% following a hail damage claim. In one instance, a homeowner experienced a 133% increase in their home insurance premium after filing a claim for hail damage. Such increases can translate to thousands of dollars over the years, adding to the financial burden.
The Importance of Timely Action
Time is of the essence when dealing with hail damage. Most insurance policies have specific time frames within which claims must be filed. Failing to act promptly can result in denied claims, leaving homeowners to shoulder the full cost of repairs. Additionally, unaddressed damage can worsen, leading to more extensive and expensive repairs down the line.
Choosing the Right Contractor
Selecting a reputable contractor is paramount. Scammers often prey on vulnerable homeowners after severe weather events. It's essential to vet contractors thoroughly, ensuring they are licensed, insured, and have positive reviews. A trustworthy contractor will provide a detailed estimate and work directly with your insurance company to streamline the repair process.
Preventative Measures for the Future
While it's impossible to prevent hailstorms, homeowners can take steps to mitigate potential damage. Investing in impact-resistant roofing materials can offer better protection and may even qualify you for insurance discounts. Regular maintenance and inspections can also identify and address vulnerabilities before they become major issues.
Conclusion
The period following a hailstorm is critical for homeowners. By understanding the potential pitfalls, such as underestimating damage, navigating complex insurance claims, and facing increased premiums, you can take informed steps to protect your home and finances. Prioritizing professional inspections, acting promptly, and choosing reputable contractors can save you from the costly mistake that many homeowners make after a hailstorm.
Want to learn more? Visit SunSent.com or call 636-757-3083 if you have any questions.








