Storm Damage

What now? Navigating a storm damage claim​.

These frequently asked questions are designed to help you understand how to proceed if a storm has damaged your home. The experts at Husker Hammer are on hand to offer a free inspection and help you assess the scope of your damage. We’ll also meet with your adjuster at your home and work with your insurance company, making sure you receive the right products and materials for your coverage.

How do I know if I have hail damage?

Hail damage to your roof can be hard to spot, but as you investigate the outside of your home, look for dents to the downspout, aluminum siding or other soft metals, as well as holes or breaks in your vinyl siding. Ultimately, a trained professional will do the most thorough job of assessing and identifying hail damage.

What problems can arise from hail damage to my shingles?

On your roof, hail damage can loosen and fracture shingles, with additional deterioration happening over time as the damaged areas expand and contract with temperature changes. Long-term problems can include premature aging, leaks and mold.

How many estimates do I need?

Only one estimate is necessary. We’ll work with your insurance company to make sure you only pay your deductible – the set dollar amount or percentage you are required to pay, as determined by your insurance policy.

Will my insurance premium increase?

Under most circumstances, your premium will not increase if you file a claim because the damage was the result of a natural disaster.

How quickly should I file a claim?

Check with your insurance company regarding their limited claim period. We suggest filing your claim as soon as possible to ensure all work is covered and to avoid any further damage to your home.

What will my insurance company cover?

Your insurance adjuster will inspect your home and provide you with an estimate for the damage they observe to your roofing, siding, fascia, gutters, windows, wraps and other personal property.

If your Husker Hammer representative determines that you have storm damage before you’ve met with an adjuster, we will meet with them on your property to discuss next steps. Based on your adjuster’s assessment, your insurance company will compensate you for any repairs to the damaged elements of your home.

It’s important to remember that it will be your responsibility to in turn issue payments to your contractor or repairperson using the funds sent to you by your insurance company.