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Searching For a Thornton Insurance Agent? Let’s Talk Weather Claims.
Posted by Leinweber Insurance Agency on
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After last night’s thunderstorm riddled with torrential rain and hail, the damage was significant. Although we need the moisture, the hail has damaged roofs, caused car damage, and ruined gardens and trees. The number of claims calls made this year will have doubled since 2010—a year when it stormed once or twice every day during the summer.
Rain is created by by evaporation. When the water evaporates into the sky, it’s recycled in the clouds which then turn into condensation within the clouds. Once that condensation becomes heavy, it falls from the clouds, thus creating rain. When a thunderstorm is formed, the thunderhead is a mixture of warm and cold air, creating water and ice, respectively. Ice crystals and and water droplets bounce together in these thunderheads and create an electric charge. Lightning is like a magnet. When the negative charges in the clouds are attracted to the positive charges at the ground, lightning strikes.
Before you start calling your insurance companies to make a claim on your roof, car, or other damaged property, you’ll want to inspect the damage yourself. Decide whether or not you need to get a roofing inspector out to your home. Most roofing companies will do free inspections and are familiar with insurance companies. With this familiarity, they can help you decide whether or not it’s worth it to file a claim. Remember, your claim and the amount paid is always subject to your deductible, so double check your policy so you know what to expect.