As if thunder, lightning, torrential rains, and high winds weren’t enough, many destructive storms involve hail which can cause extensive property damage. Due to their exposure hail damage to roofs, windows and siding are common. However, hail damage claims are notoriously challenging to document and substantiate due to the elusive nature of hail damage.
Our public adjusters leverage decades of experience and the latest roofing and weather technology to substantiating hail damage claims. Our claim adjusters work on your behalf to win you a fast and fair settlement, even if your hail claim has been denied or underpaid by your insurance company.
Hail Damage- What to Look For
The independent claim adjuster from your insurance company may downplay hail damage even if you saw and heard the hail storm take place. We suggest you personally assess your property and look for the following signs to help substantiate hail damage and the ensuing claim:
Impact Marks – Hail stones will cause impact marks on the siding a home or business as well as automobiles. Proof of impact marks can help substantiate a hail damage claim.
Chips – Hail stones can cause stucco, paint and other coating to chip. Check the perimeter of your property for evidence of chipped coating.
Dents – Hail will cause aluminum siding, metal roofing and other similar material to dent.
Broken Glass – Hail and excessive winds can cause glass on windows, automobiles and patio to break.
What Ron Says About Hail Damage:
“We commonly encounter hail claims with properties where the insurance company has denied the claim due to “wear and tear” or some type of preventable maintenance issue. While that may the case for some claims, many times the denial was based off of a sloppy and quick investigation into hail damage. Always get a second opinion from an experienced public adjuster if your claim has been denied, delayed or underpaid.” Get more expert answers about hail claims by visiting our FAQs page.
Hail Damage to Roofs is Hard to Identify
Hail damage to roofs isn’t always obvious and as such, hail claims are often hard to quantify due to the undisturbed appearance of fresh hail impacts on certain roof systems. At first glance, these impacts are nearly imperceptible and subsequently, a hail damage claim will be denied or dismissed by the insurance company adjuster.
An experienced public adjuster knows that a thorough inspection will often lead to loose granules which compromise the integrity of the underlying roofing materials. The roof damage from hail ultimately becomes obvious, but if too much time has passed before the hail damage manifests into a leaking roof, your hail claim will be difficult to link to the original hail storm.
Fortunately, our public adjusters and property damage appraisers utilize the latest roof and weather technology to substantiate and document these types of hail damage roof claims. If your home or business has hail damage, you owe it to yourself to get a professional second opinion.
When to Seek Help with a Hail Damage Claim
While all claimants with a hail damage claim can benefit from a public adjuster’s help, you absolutely need to consult with a trusted and experienced adjuster if your insurance company has:
Said the hail damage to the roof is from wear and tear
Agreed to only replace or repair parts of the roof
Denied your hail damage roof claim
…Otherwise treated you in a dismissive way and has not given your hail claim due consideration.
You Have Questions. Our Public Adjusters Have Answers
Our public adjusters and property damage appraisers find and substantiate difficult-to-spot, expensive-to-repair hail damage so that you remain in control of your claim and win a fast and accurate claim settlement.
Don’t let your insurance company downplay the hail damage; find out what’s really going on by getting answers from a trusted and experienced public adjuster from Insurance Claim Consultants.
We’re always available to speak with you. Contact us today for claims assistance and peace of mind with your hail damage claim.