Blog by: Ken Mogren, CPCU
A recent storm in our area included some hail large enough to be damaging to cars, shingles and siding. Like hail tends to do, it hit some neighborhoods harder than others and missed some entirely. If you had even just a little hail in your area, it’s possible you may have someone knock on your door and offer to do a free roof inspection to check for hail damage.
We suggest caution in dealing with such offers. It’s likely the motive of the contractor is more about drumming up business than providing a free service The inspector might come down from your roof, tell you it has hail damage and ask you to sign a form in which you agree to do business with them.
Our advice is to go slow before signing anything. Take the time to read and thoroughly understand anything you are asked to sign. Also make sure you get all documents associated with the agreement. There may be supplemental forms referred to in the contract which you should also read. If you feel pressured to sign on the spot, that’s all the more reason to be cautious.
You should also be suspicious if the inspector makes disparaging remarks about insurance companies and states or implies you will need help they can provide in getting fair treatment from your insurer.
It’s always wise to do business with reputable people you trust, so if the contractor is not familiar to you, take the time to find out more about the company. As with any business transaction, you should want to feel comfortable about who you are paying to serve you.
Hail damage is rarely an urgent matter requiring immediate repair. There’s usually plenty of time to gather information and make good decisions relative to insurance and repairs.