Most homeowners assume that if their roof is destroyed by hail or wind, their insurance company will simply pay to replace it. Unfortunately, that assumption is becoming increasingly dangerous. Over the past several years, I’ve seen a growing number of policies that do not fully cover roof replacement , even when the roof is clearly totaled by storm damage. Many homeowners only discover this after filing a claim — when they’re suddenly facing thousands (or even tens of thousa

When a hailstorm hits, most homeowners do exactly what they should: call a contractor to inspect the roof and help file an insurance claim. But here’s the part most people never hear — the quality and experience of the contractor’s representative can make or break your claim. This isn’t just about hiring a company that’s been in business for 20 years. Longevity does not  guarantee that the person inspecting your home has the knowledge needed to identify all hail-related damag

When a hailstorm damages your home, it’s easy to delay taking action—especially if you weren’t already planning to replace your roof or siding. But waiting can hurt your chances of getting a fair insurance payout and a smooth repair process. Here’s why it’s critical to act quickly after a storm. Play the probabilities game. When filing a homeowner claim for hail damage, you should do everything in your power to ensure the best possible claim outcome. This means calling a qual

When a hailstorm hits your home, the aftermath can be overwhelming. Dented siding, cracked shingles, broken screens—it’s not always easy to tell how bad the damage is or what to do next. Two common professionals homeowners often turn to are hail damage contractors  and public adjusters . Both play key roles, but their responsibilities, motivations, and methods are different. This person is wondering whether to hire a contractor or a public adjuster for his hail damage claim.

On June 18, 2025, multiple hailstorms were reported across Anne Arundel County, Maryland, including Severn, Fort Meade, Odenton, and Severna Park. According to official data from NOAA, hail sizes ranged from 1.00 to 1.25 inches—comparable to quarter to half-dollar sizes. While these may not seem extreme at first glance, they can still cause significant damage to the exterior of your home. Maryland hail reports for 6/18/2025 for 1" hail or greater. NOAA storm report What Kind

If your home was hit by hail and your insurance is covering a siding replacement, congratulations — you’re already ahead of the game. But before you get caught up in the idea of “only paying your deductible,” it’s worth stepping back to look at the bigger picture. Recent insurance siding replacement project. - JP Construction Services Insurance often covers only the damaged siding  — not your shutters, trim, or gutters. That means while you're already getting new siding, it m

Your home is likely the biggest investment you’ll ever make. But homeowners insurance policies are not all the same — and too many people find out too late that they weren’t properly covered. Whether you’re renewing your current policy, switching carriers, or buying insurance for the first time, here are 5 crucial items you should double-check: 1. The Deductible – Understand What You'll Actually Owe Not all deductibles are created equal. Some policies have a flat deductible (

Navigating an insurance estimate after damage to your home can feel overwhelming—especially if you’re trying to make sense of the technical terms, columns of numbers, and industry lingo. Whether you’re dealing with roof damage, water intrusion, or a fire, it’s critical to understand your insurance estimate to make sure you’re receiving everything you’re entitled to. Firstly, within the body of the estimate are often the shorthand "R&R" and "D&R". These are short for "remove a

If you live in Maryland and a hailstorm just rolled through your neighborhood, you’ve probably already noticed the aftermath—contractors knocking on doors, trucks flooding the streets, and flyers promising free roof replacements. It can feel like a frenzy. Suddenly, everyone’s telling you your roof is damaged, and that you must file a claim with your insurance company right away. But here’s the truth: most modern roofs, especially architectural shingles, can withstand typical

Below is a list of homeowner insurance companies that provide coverage in MD and/or PA, ranked soley on customer satisfacrion during the claims process. Relato e cost is shiwn, but not imcluded in the rankings ($ to $$$$). 1. Amica Mutual Claims Satisfaction Score : 906 (J.D. Power 2024) Cost : $$ Availability : MD & PA Amica is a consistent leader in claims satisfaction, praised for its fast, fair, and personalized service. 2. USAA   (for military members and families) Clai

When a hailstorm hits your area, the damage to your home might not be immediately visible — but that doesn’t mean it’s harmless. Cracked shingles, dented gutters, and hidden roof damage can lead to long-term problems if left unaddressed. So, the big question many homeowners face is: Should I submit a homeowner insurance claim for hail damage? Hail storms are usually part of strong storm systems, but are often short-lived. One moment, your house is fine - the next, you've sust

Large Hail Reported in Hampstead, MD - Photo: https://m.facebook.com/100044454488732/photos/1317253749766429/ On May 16, 2025, severe thunderstorms swept across Maryland, bringing large hail, damaging winds, and heavy rainfall. The Storm Prediction Center (SPC) had issued a Slight Risk for severe weather across portions of the Northeast, including Maryland, highlighting the potential for hail up to the size of golf balls and wind gusts up to 80 mph. ( WTOP News Storm Predicti

On Saturday, May 3, 2025, a powerful storm system moved through Harford County. High winds and large hail were documented in Bel Air, Pleasant Hills, and other towns in Harford County. The total initial list of Maryland towns included in the report are as follows: 1.00-inch, Damascus, MD (Montgomery County) 1.50-inch, Glenwood, MD (Howard County) 1.00-inch, McDonogh, MD (Baltimore County)  1.00-inch, Owings Mills, MD (Baltimore County) 1.75-inch, Timonium, MD (Baltimore Count

Hail damage can be a costly and frustrating experience for homeowners in Maryland. While it is essential to have a comprehensive insurance policy that covers hail damage, it is equally important to work with a qualified and experienced exterior licensed home improvement contractor to ensure a fair insurance claim outcome. Hail Damage to Aluminum Siding. Note the importance of lighting in spotting the dents. An experienced contractor can provide valuable guidance and support t