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File Your Insurance Claim

It's easy to file your storm damage insurance claim.

Free Home Consultation

Call us today for a free home consolation to assess your hail damage.

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NCDC Storm Reports

Search the NCDC Storm Event database to find various types of storms recorded in your area.

Roofing Hail Damage Frequently Asked Questions

Q: Why should I use The Home Improvement Store?

The Home Improvement Store understands the devastating effects that hail damage can have on your home. We also acknowledge the burden placed on you and your family when given the task of filing a claim and dealing with insurance companies to replace damaged roofs and siding. That’s why we work hard to provide a simple solution to restore your damaged property. And most importantly, we work with your insurance company so you don’t have to. The Home Improvement Store is also accredited by BBB as a business that builds fair and honest relationships with consumers.

Q: Do I have hail damage to my roof?

Find the answere here

Q: Will my premium go up or will I be canceled?

If you have hail or wind damage, you shouldn’t be afraid to file a claim. Your insurer cannot cancel your policy due to storm damage and cannot raise your rates on the basis of your individual storm damage claim. Be aware, however, that insurance rates in your area can fluctuate whether or not you file a claim.

Q: What is hail and how does it affect my home?

According to NOAA, National Severe Storms Laboratory, “Hail is precipitation that is formed when updrafts in thunderstorms carry raindrops upward into extremely cold areas of the atmosphere and freezes into ice. Hailstones grow by colliding with super cooled water drops. The stronger the updraft, the larger the hailstone can grow.” Large hail and strong winds can cause damage to a home’s roofing, siding, gutters, etc.

Q: How can hail damage my roof?

Hail damage to asphalt shingles can cause granule loss, puncturing, soft spots or bruising that’s difficult for non-professionals to identify. In some cases, the damage from hail is strong enough to rupture the reinforcing mat, which exposes the underlying fibers (bitumen). Once these fibers are exposed, the shingle’s ability to shed water deteriorates, reducing the life-expectancy of the roof and allowing water to get into the house.

Q: What is replacement cost insurance (RCV) and what is actual cash value (ACV)?

In the event of a loss your insurance company will pay you the actual cash value(ACV) which is equal to the replacement cost of the damaged items minus depreciation and your deductible, When you replace the item or complete repairs your insurance company will pay you the depreciated amount.

For more information on the Nebraska State Statutes, click here.

Q: What type of roofing materials do you use?

The Home Improvement Store offers a variety of materials, and expertise to make the roofing process picture perfect. Click here to learn more.

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