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Myth versus Fact

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My insurance company denied my roof so I'm out of luck!
You're entitled to a re-inspection and should consider choosing a contractor who is qualified to re-inspect your property alongside the insurance company’s adjuster.

 
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I looked at my roof and didn't see any problems.
Roofing systems should be physically inspected by a structural damage inspector to determine if there is actual hail damage. Damage is often not visible from the ground.

 
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I'm not missing any shingles so I must not have any damage.
Hail damage is insidious in nature and may not physically cause leakage for months or even years after the hail storm.

 
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My roof is new so it's covered by my manufacturer's warranty.
Manufacturer's warranties usually exclude hail impacts and other severe storm damages.

 
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My insurance company will cancel my policy if I file an insurance claim.
Insurance companies cannot cancel your policy for weather related claims.

 
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My roof isn't leaking so I don't have damage.
Leaks do not always occur immediately after a storm. You may have severe damage to your roof and should have it inspected by a qualified professional.

 
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If I don't file a claim, my insurance company won't raise my rates.
After a disaster, insurance companies may raise every one's rates. By not filing your claim your personal rate increase is paying for everyone else's damage except yours.

 
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