Summer is synonymous with long sunny days and short nights – and thunderstorms. Hailstorms can be especially destructive to your car or home.
Enter your insurance company to the rescue. iWYZE Insurance shows you how to go about getting the best policy and what steps should be taken after a heavy storm:
- First inspect your property to identify any damage caused and take photos for your records. Record the date and time of the hailstorm, as your insurance company may need to verify the information with the weather bureau.
- Be aware of the size of the hailstones, as well as the quantity of hail on the ground, your vehicle, roof, patio or any other area of your property. This indicates the possible level of damage caused.
- After a storm, check for leaks both inside and outside the house – a leak could lead to more damage and escalated water bills. If you spot damage to shrubs, trees and plants, the chances are there will be damage to other areas like the roof, gutters and windows.
- If you identify any of these problems or if your house is in an emergency situation (leaking roof, broken windows), call your insurance company to identify a local authorised contractor.
- Should it not be an emergency situation, find a reputable contractor to inspect your roof for hail damage. This service should be free, so beware of signing anything that holds you to paying for the service. Having an inspection will make your life easier when it comes time to making a claim with your insurance company.
- It is always helpful to take photos of the hail damage to send to your insurer; it also means you have a record of it for future reference.
- Your insurance company will recommend a preferred panel beater, and will either request an assessment from the supplier or send an assessor to your home to evaluate the damage.
- Always check your vehicle carefully once it has been repaired. Any flaws you notice should be fixed at no additional charge.
- It’s also important to check with the repair shop if they offer a guarantee on their work and will repair any areas they may have missed at no additional cost.
Source: iWYZE Insurance. Image: Pixabay