Residential Hail Damage Insurance Claims Can be Difficult
Living in this part of the country, you know hail and the damage it can cause. No surprise to those of us who live and work here, Texas, Missouri, Kansas, Colorado, and Oklahoma are listed as the top 5 hail loss states in the U.S. based on hail loss claims from 2010 to 2012. In fact, according to the Insurance Information Institute, Texas not only ranked first for average losses per year, it has accounted for more than 20% of all hail claim losses since 2000! And reports suggest that hail events are only getting worse, both in terms of frequency and severity.
This is especially problematic for homeowners because hail can cause damages that are difficult to detect. Hail damage can be quite severe, even when it’s invisible to an untrained observer. Many unsuspecting homeowners have accepted their first offer from the insurance company, grateful for a check to cover what they believed were minimal damages, only to find (for example) their roof compromised and leaking two or three years down the road as a result of subtle but serious hail damages that went undetected at the time of the event.
Similar issues come up with siding, windows, screens, doors, casings, and vents. Fences, outdoor furniture and equipment, and air conditioning units can begin to peel, chip, rust, flake, and break down prematurely from damage that was barely noticeable after the hail storm.
Important things to remember after a hail storm:
- You may need to have an expert examine your home to properly identify all the damages.
- You and/or your public adjuster should accompany the insurance company adjusters who are estimating your damages.
- Knowing what you are entitled to under your insurance policy, as well as what to say and how to say it – and what not to say – can be vitally important to the outcome of your insurance claim.
Our public adjusters help you get what you’re entitled to by:
- evaluating your insurance policy to establish the best possible strategy for presenting your claim to the carrier;
- valuing, documenting and substantiating every detail;
- negotiating on your behalf with your insurance company;
- keeping you informed every step of the way; and
- ultimately settling the claim for the maximum amount and with less hassle for you.
Public adjusters work exclusively for you – the policyholder – never for the insurance company.
Who have we helped?
Your attention to all the little details of our insurance policy and your team’s creativity allowed us to collect damages that we never expected to recover. You provided thorough, professional advice and we were able to negotiate a fair and equitable settlement. We could not have done it without your help!
Thomas & Linda DiBenedetto
Our insurance claims experts have helped thousands of homeowners across all types of industries. We encourage you to look through our references and testimonials and to contact us for recommendation letters. An internal review showed that our clients felt we delivered what we promised and would work with us again—facts we are proud of. We welcome the opportunity to put you in touch with past clients so you can ask them yourself.
Listen to our podcast titled “Hail Damage Can Create Difficult Insurance Claims” for tips from our experts:
For additional information, visit:
- “10 Things You Can Do To Make Disaster Recovery Go More Smoothly”
- “Do You Need a Public Adjuster?”
- “What is the Cosmetic Exclusion in Wind and Hail Coverage and How Does it Affect Your Insurance Claims?”