Henrich Insurance Group

cracked windshieldStorms can leave property owners with thousands of dollars of damage. A simple windstorm or thunderstorm can cause a tree branch to hit the roof of your building, creating a hole or damaging the tiles.

In other cases, hail is at the heart of the problem. Though hail may look small, it can have a powerful punch when it comes to damaging roof tiles. This is especially true of clay roofs or other more fragile materials. If you have business insurance on that building, chances are good it will help cover these losses.

When Does Coverage Count?

Hail damage is not something that occurs often in most areas. However, when it does occur, it can do a significant amount of damage to a building. This includes damaging the roof, gutters and even shattering windows. If this happens at your business, and you have property insurance on the structure, your business insurance plan is likely to offer some help to you.

This type of damage puts your building’s structural integrity at risk. Water damage can occur quickly as a result of hail damage to roof tiles. If you believe this is what you are facing, call your insurance adjuster to discuss your situation.

Keep in mind that this type of coverage does not include any existing damage or damage not caused directly by hail. If you have roof tiles damaged from normal wear and tear or even poor maintenance, insurance will not cover the cost. It also will not cover the damage unless there is a documented incident of hail storms in the coverage period. Most of the time, you have a year to file a claim from the date of the hail storm (though this can differ).

Do not put off checking the roof of your business to make sure it is in good condition after a storm. Hail shattering tiles is not uncommon in these instances and your business insurance may help you to overcome some of the financial losses of repairing or fixing the damage.

If you have questions about how business insurance covers hail damage, call us today at (713) 349-0400.
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