It is not common for hail to cause substantial damage to hard surfaces. This can happen, though. The larger the ice crystals are, the more likely it is for you to suffer some type of damage to the home's surfaces. Depending on your home insurance, you may have coverage for this type of loss. The key here is to know what your options are. Here is some information to help you get a start.
What Caused The Damage?
Hail creates dents (like pock marks) on hard surfaces. The force of the pellets hitting surfaces can cause significant damage in minutes. The larger the size of the hail, the more damage it can cause. In some situations, hail can damage the wood boards on your decking. It can also cause damage to cement, creating marks or cracks on it. If there is a covering or an awning over the porch, that structure can sustain damage as well. When this occurs, it can impact the structural integrity of the surface.
Keep in mind hail damage must be significant to be covered by insurance. If there are a few marks on the surface, your Busha-Okeson Insurance agent is unlikely to approve a claim. Generally, to qualify for a claim, the damage must put the structure at risk. For example, damage to the wood planks may make the structure unsafe during the winter months. Damage to a cement area could create areas where people can trip. When there is this type of damage, your home insurance policy may cover the damage.
What You Can Expect In A Claim
Many factors play a role when you file a claim like this. First, your agent needs to complete an initial consultation. A professional also needs to inspect the surface to determine how much damage is present. They also need to provide an estimate for the repairs if possible.
If repairs are not possible, then you'll need to get a quote for replacement. Your insurance carrier also needs to be sure that hail is the cause of the damage to the porch. If they learn normal wear and tear was a concern, or that poor maintenance led to the damage, they may not file a claim.
From here, your agent will issue a check for any coverage the home insurance policy offers. You will likely still have to pay the deductible on your policy, though.
Keep in mind that you should not put off this type of claim. You may have a limited amount of time from a hailstorm to receive coverage.