Some timely advice for local Pittsburghers who endured the relatively uncommon pelting of hail yesterday:
Worried about hail damage? Don’t be!
– Virtually every building (home or business) policy includes coverage for hail damage, even if you have a named perils policy.
– Same for auto policies – if you carry comprehensive, you have coverage for hail damage.
– If you are concerned about hail damage on the roof of your building – DON’T get up there to check it yourself! Hire a professional. Also, make sure its either someone you trust, or is reputable and in good standing in the BBB or Angies List.
It wouldn’t be a bad idea to be present for the inspection. Sadly, some of the less-reputable “contractors” will go onto people’s roofs with a ballpeen hammer and create some “hail damage” of there own to get some quick and easy repair work.
In addition, if you have a chip in your windshield, get it fixed now before it becomes a crack! If you carry comprehensive on your auto policy, and the chip is about the size of a quarter, most policies will pay for the repair with no cost to you. Once it turns into a full blown crack, and it needs to be replaced, then you would pay your comp deductible and the company pays the balance.
Other questions or concerns? Talk to your agent!
(Photos courtesy of Hail Events & Scott Blair)