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jmorr34
LSU Fan
Baton Rouge
Member since Sep 2004
1311 posts

Roofers - How far back can you claim hail damage?
Recently had a patio cover installed and they mentioned that we had hail damage to our roof. How far back can you claim such damage on insurance? I figure it would have to be within a year in which I'd be SOL but I figured I'd ask.


Chad504boy
Longwood Fan
Member since Feb 2005
125517 posts
 Online 

re: Roofers - How far back can you claim hail damage?
there's no magical number.
there's also only one way to find out.

good luck.


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wickowick
LSU Fan
Head of Island
Member since Dec 2006
37637 posts

re: Roofers - How far back can you claim hail damage?
The law in Louisiana is 2 years from the loss date.


Motorboat
LSU Fan
At the camp
Member since Oct 2007
18108 posts

re: Roofers - How far back can you claim hail damage?
what is a good site to see where hail occurred or was reported?


wickowick
LSU Fan
Head of Island
Member since Dec 2006
37637 posts

re: Roofers - How far back can you claim hail damage?


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Tiger Prawn
LSU Fan
Member since Dec 2016
9011 posts

re: Roofers - How far back can you claim hail damage?
quote:


The law in Louisiana is 2 years from the loss date.


Pretty sure its only 1 year


bbvdd
Alabama Fan
Memphis, TN
Member since Jun 2009
15637 posts

re: Roofers - How far back can you claim hail damage?
He’s an adjuster. I’d bet he knows.


Geauxtiga
TBD Fan
No man's land
Member since Jan 2008
31919 posts

re: Roofers - How far back can you claim hail damage?
quote:

He’s an adjuster. I’d bet he knows.


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EA6B
Navy Fan
TX
Member since Dec 2012
7734 posts
 Online 

re: Roofers - How far back can you claim hail damage?
quote:

The law in Louisiana is 2 years from the loss date.


Since it would be impossible to proven when hail damage actually happened this is not really a factor. I just called my insurance company and said I think I see hail damage on my roof, they looked at it and said yep it is. There was no discussion of when it may have happened.


Geauxtiga
TBD Fan
No man's land
Member since Jan 2008
31919 posts

re: Roofers - How far back can you claim hail damage?
quote:

Since it would be impossible to proven when hail damage actually happened this is not really a factor.
Uh, hail damage usually happens when it hails.


quote:

I just called my insurance company and said I think I see hail damage on my roof, they looked at it and said yep it is. There was no discussion of when it may have happened.
Had wind damage to ours and they needed dates. Maybe it varies by company???
This post was edited on 3/1 at 6:33 pm


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wickowick
LSU Fan
Head of Island
Member since Dec 2006
37637 posts

re: Roofers - How far back can you claim hail damage?
quote:


Since it would be impossible to proven when hail damage actually happened this is not really a factor. I just called my insurance company and said I think I see hail damage on my roof, they looked at it and said yep it is. There was no discussion of when it may have happened.


It depends on the carrier, and they might have looked and seen there was hail in the area recently. There are hail maps, with detailed hail size and date reports. I don’t Need the reports so I don’t have a subscription. Most hail can be easily proven and I have seen it denied for being old hail plenty of times.


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Fishhead
LSU Fan
Ocean Springs
Member since Jan 2008
8978 posts
 Online 

re: Roofers - How far back can you claim hail damage?
Why would you ask roofers an insurance question?


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