A: It can be difficult to identify signs of hail damage, and almost impossible to do so from ground level. Have a trained professional inspect your property and look for damage that can lead to leaks, flooding, structural damage and other serious issues.

A: A hail hit on asphalt shingles looks like a dark spot, or bruise, where the roofing granules have been knocked away. In some cases you may find holes, cracking, or missing shingles on roofs that have been damaged by hail.

A: Homeowners with hail damage may notice small dents on rain gutters or air conditioning units, missing or bent shingles, washout (granules accumulating in gutters or downspouts), moist areas on your ceiling indicating leaks, cracks or dents in windows or siding, shredded plants and flowers, leaves knocked off trees and dents in cars parked on the street. If your car has damage, or your neighbors are getting their roof replaced, chances are your property has sustained damage as well.

A: Yes. If your neighbors have storm damage and are getting their roof repaired or replaced, chances are very good you have storm damage as well.

A: You can request three separate adjuster inspections and re-file a claim that has been denied. To increase your chances of approval make sure your contractor present during the inspection. Experienced storm restoration contractors can often help get your claim approved, even if it has been previously denied.

A: The time you have to file an insurance claim varies by insurance company, but most insurance policies limit your time to file a claim, within 12-24 months of the storm. Contact your insurance agent, or insurance company to see how long you have to file a claim.

A: Many contractors offer homeowners cash bonuses for displaying a sign in your yard, or for referrals to other homeowners. Ask your contractor about the programs they offer.

A: If your insurance company is paying for your repairs, it may not be in your best interest to hire the cheapest contractor. The factors you’ll want to consider are quality, service, workmanship, materials and warranty.

A: Typically, insurance companies cannot single out a homeowner for a rate increase based on an “Act of God” storm damage claim. However, your insurance company can raise rates for everyone in your area. So, if you don’t file a claim, your increase in premium will pay for everyone else’s repairs, except for yours.

A: Peace of mind. If your home is damaged, you may have a limited time to file an insurance claim. It is always smart to schedule your repairs as soon as possible.