Claim Management

How To Lodge A Hail Damage Roof Insurance Claim in SEQ

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To lodge a claim in South East Queensland, be prepared for the following:

Make sure to closely review your home insurance policy to see if hail damage is excluded in your policy. If you believe that hail damage is excluded, you may want to explore getting a separate or new insurance policy that covers hail damage, which is common in South East Queensland.

Insurers can decide to use a ‘cosmetic damage exclusion’ for homeowners insurance policies. It is said that this is to limit insurers’ losses when severe weather results in many expensive storm damage claims.

The introduction of the hail cosmetic damage exclusion is seen to be a knee-jerk reaction by insurance companies to deal with the increasing volatility of severe weather events, which are wrecking havoc with insurance companies loss ratios.

Insurers now have the option to exclude payments for damage to exterior surfaces, including walls, roofs, doors and windows from hail or wind if the storm impacts the appearance but not the function of these elements. Insurance companies say the exclusions are necessary to avoid raising insurance premiums to all homeowners.

Some insurance companies may automatically implement the exclusion, while others may offer it on a case-by-case basis.

Homeowners need to find out exactly what their insurer considers cosmetic versus functional hail damage. It may be a grey area that needs to be specified by your insurer.

*Cosmetic Damage May Not Be Covered

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