Darr Schackow Insurance Blog

With the increased density of housing in urban areas throughout the country, the incidence of hail damage on roofs has increased. While damage to your roof may not be readily apparent following a severe hailstorm, it is advisable to have a roofing professional check for problems should you suspect that damage has occurred. Repairing your roof as soon as possible may help reduce the likelihood of severe water damage or roof leaks and an expensive claim against your Florida home insurance policy later on.

Prevention is always better than cure and if you live in – or are building in- an area with a high incidence of hail damage, you may wish to consider installing a hail resistant roof. When shopping for roofing materials, the Insurance Institute for Business and Home Safety (IBHS) recommends you look for material which has been designated as Class 3 or 4. This means it has been tested as resistant to hail.

In the event that you are installing a hail resistant roof you may need to update your Florida home insurance if the cost of the new roof would add to the cost of completely reconstructing your home after a disaster. . Our agents have a great deal of experience in home insurance coverage and may be able to help you with any queries you may have.

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