Hail season in The Treasure Valley typically runs from April through September. If your Boise home has been through a significant hailstorm, the difference between a smooth insurance claim and a frustrating one often comes down to how quickly and correctly you document the damage.
Step 1: Document the Storm
Note the date and approximate time of the hailstorm. Your insurance company will cross-reference this against weather data to confirm the event.
Step 2: Do a Safe Ground-Level Check
From the ground, look for dented or damaged gutters, damage to soft metals like AC units and vents, dents in wood trim or fascia, and broken skylights. Damage to soft metals is one of the strongest indicators of hail impact to adjusters.
Step 3: Call Blue Goat Roofing Before Your Insurance Company
Getting a professional damage assessment before filing the claim means you know what you're dealing with, you have documentation, and you're not relying solely on your insurance company's adjuster to find everything.
Step 4: File the Claim
Call your homeowner's insurance company and report the storm damage. They will assign a claim number and schedule an adjuster visit.
Step 5: Be Present for the Adjuster Inspection
Request to be home when the adjuster comes. Better yet, have a Blue Goat Roofing representative present at the same time. When a contractor and adjuster inspect together, missed damage items get caught on the spot.
Your Rights as an Idaho Homeowner
Idaho has relatively homeowner-friendly insurance laws. You have the right to choose your own contractor, the right to a second opinion, and the right to dispute the adjuster's assessment. You have up to two years from the date of loss to file most property damage claims in Idaho.