| Storm Damage |
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| Hail and windstorms are frequent occurrences across the U.S. Most storms occur during either the spring or fall months. |
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| Hail damage can be very difficult to detect and cannot usually be seen from the ground. |
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| Don’t take roof damage advice from family, friends, and neighbors or for that matter even some roofers. Just because someone installs shingles for a living or did some roof repairs in high school or college does not qualify them to professionally assess hail and wind damage. |
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| The only opinion that matters is the one from your insurance company, the people you pay the premium to. Your policy recommends you file a claim anytime there is sudden or accidental damage to your property. |
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| We know that you don’t want to file frivolous claims. Some people may consider the damage nothing more than cosmetic but it is in your best interest to file a claim and let your insurance company investigate the extent and severity of the damage. If your home was hit by small hail and you don’t file a claim you may be surprised when you decide to sell your home and the potential buyer’s home inspector notes the hail damage and they ask you to pay out of your pocket for a new roof. The equity in your home is not cosmetic…, it’ dollars and cents. Don’t gamble with storm damage, especially light damage because it’s the most difficult to assess. |
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| MorningStar is expert at evaluating storm damage claims and utilizes insurance industry investigative standards to examine the damages and write professional insurance approved damage estimates with Xactimate (www.xactimate.com) the same estimating software utilized by over 80% of the insurance companies in the United States. |
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| Frequently asked questions |
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| How much damage do I need to have a claim? |
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| Not much actually. Marble size hail can cause a lot of damage if it falls hard and for a long time. |
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| My roof/siding is so old they won’t possibly pay enough to replace it, will they? |
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| Insurance policies are written for replacement cost. Old roofs and siding are just as insured as new roofs and siding. In fact the older your roof and siding are the more susceptible to damage they are. |
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| How does the claim payout work? |
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| When your claim is approved the insurance company issues payment to you, and your mortgage company. If your home is paid for than they’ll omit the mortgage company. We accept the initial insurance payment as a deposit for the repairs and bill your insurance company for the balance. Your expense is limited to your deductible unless you add upgrades to your job. |
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| Why does your company provide this service for free? What’s the catch? |
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| There is no catch! This is what we do as a professional independent insurance restoration contractor. In return for the professional estimating and damage inspection services all we ask is that you allow us to make the majority of the repairs for the amounts that we get your insurance company to agree to. The better a job we do inspecting for damage and presenting a professional insurance estimate the larger a repair job we will have earned. You’ll get excellent repairs and we’ll make a fair profit. It’s win-win! |
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| Is this an insurance scam? |
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| No. An insurance scam is when someone intentionally damages or burns down their property for the purpose of filing a claim and getting financial gain from a crime. If we discover that someone has intentionally damaged their property we can’t help them with a claim. Storm damage claims are legitimate, even if the damage is minimal. |
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| My premiums might go up if I file a claim. Would they cancel my policy? |
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| If you have a “no claims” discount it may be disallowed. We have yet to see a policy cancelled because of storm damage claims. |
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| MorningStar knows the frustration and stress associated with filing and processing insurance claims for storm damage. Let us handle the frustration of dealing with adjusters and damage inspections. We will keep you informed every step of the way and document every part of the claim process for your records. |
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