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What Homeowners Should Know About Roof Claims & Roofers

Posted on Oct 16, 2012

In April, after a thunderstorm moved across Louisville, Kentucky, it was estimated that there was $175 million in insured losses. Now several months later, the storm has accounted for $352 million in insured damages – a large increase due to large hail that pounded roofs of homes and vehicles.

For roofers, the storm brought great business; however, for homeowners, the golfball- and baseball-sized hail from the thunderstorm brought frustration as they had to turn in property damage claims with their insurance companies. 

A lot of homeowners had roof claims from hail damages. The Kentucky Farm Bureau, one of the state’s biggest home and auto insurance carriers, had an estimated $75 million in property damages – mainly from roofs.

When hail is this large, there are many possible types of damage, including:

  • Roof damage
  • Gutter damage
  • Siding damage
  • Other property damages

Some homeowners in the Churchill Downs area, Audubon Park, Taylorsville, Highlands, and Fern Creek subdivisions who turned in residential insurance claimsare just now receiving their new roofs. Roofers have been backed up due to the hail-related roof repair work this storm caused.

Because of the delays, there have been contractors from out of town soliciting homeowners for roof repairs. While some are registered, licensed businesses, others are fly-by-night roofers looking to swoop in and take advantage of those in need. Because of this, authorities are warning homeowners to be cautious about hiring out-of-town contractors. Also, they will not be around to honor a warranty a year down the line.

However, homeowners do have some comfort knowing that House Bill 421 just passed giving homeowners up to five days to cancel a roofing contract if they find out that a portion of the work is not covered by insurance. 

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