100 S Maple, Excelsior Springs, MO 64024

Storm Damage FAQ

Q. Will my insurance premium go up if I make a claim?  

​A. If you're filling a claim for repairs after hail or wind damage or other "Acts of God" your insurance company cannot legally raise your individual insurance premiums due to the filling of that claim.  Whether or not you file a claim, if an area around you has been hit with severe weather repeatedly your insurance premiums may go up as well as the other premiums of insurers in your area.

Q. How long do I have to replace my roof?

A. Many insurance companies have a "statue of limitations" of how long a claim is viable.  If you have experienced a loss such as hail damage it is prudent to take care of the problem in a timely manner before it leads to further problems.

Q. What does hail damage do to a roof?

A. Hail damage to a roof causes the acceleration of granule loss.  Shingles are designed so that the granules block UV of the sun and protect the asphalt underlayment.  As shingles age the granules fall off over time and then the asphalt is exposed and begins to dry out and the shingles become brittle.

  • Hail damage accelerates the roof shingles aging process
  • ​Hail damage can void the manufacture's warranties
  • Hail damage can void the workmanship warranty
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