Thirty-eight years in the insurance industry and many hail storms behind me lead me to write this blog.
Has your home, vehicle or business building been plummeted by a recent storm which included hail? Do you have hail damage? Do you dread the thought of dealing with a home, auto or business insurance claim? What size hail hit your home? Have Storm Chasers knocked on your door immediately following a hailstorm? What do you do after a hailstorm has hit your home or business? Did your contractor eliminate your deductible or give you a discount? What are your responsibilities after suffering storm damage? Where were you on April 16, 2006? WOW. The list of questions could go on and on……
The size of hail does not matter as much as the location of the hail damage. Most storms producing less than 1” in diameter hail cause little to no damage to vehicles or structures. The NOAA’s National Weather Service receives 10,000 to 12,000 reports of hail per year. Indiana is in the Top 10 from 2010-2012 for hail insurance claims reported. Indiana’s most recent hailstorm causing damage was May 2014.
How in the world do all these storm chasing door knockers know that your home received hail damage? Storm Chasing contractors subscribe and pay big dollars to get exact pinpointed areas which also reflects the size of hail received. Should you trust these door knockers? ABSOLUTELY NOT– unless you do hours of research on the companies and owners of these companies for Honesty & Integrity. The Indiana Attorney General has great suggestions on hiring a contractor and preventing Homeowner Scams. The Federal Trade Commission also has helpful suggestions before hiring a contractor. Your best option will be to call a company who has done the research of many service providers and contractors for you!
Our suggestions would be as follows:
1. Call Hook Connect (FREE Resource to Consumer) 317-473-3778
2. Have a vetted Hook Connect service provider give you a FREE Estimate to verify enough damage
3. Call your insurance agent only if you have enough storm damage to warrant reporting a claim
4. Never do business with a Storm Chasing, Door Knocking Contractor
5. Never do business with a company who offers a reduced deductible or discount (Insurance Fraud)
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