Hailstorms can cause significant damage to property, included roofs, windows, cars and carports, and even garage doors. If you’ve experienced hail damage to your property, there are certain things you can do to make sure that you receive fair compensation from your insurance carrier.
Follow these tips on how to handle hail damage for property insurance claims:
What Does Hail Damage Look Like?
After a strong storm, the first step is to assess the damage to your property. Walk around your property and take photos of any damage you find, making sure to note any broken windows, damage to siding or carports, or any other damages you may have. It is recommended that you have a licensed professional come out and inspect your roof for damage. This documentation will be crucial when filing your insurance claim and getting the compensation you deserve.
After Property Damage, Your Insurance Company As Soon As Possible
When you sustain damages from a covered loss to your property, it is actually one of your responsibilities to contact your insurance company to report the damage. At this point, you want to provide them with the information and photos you have gathered and ask them to send an adjuster to inspect the damage as soon as possible. The adjuster will assess the damage and provide an estimate of the repair costs.
Get An Insurance Policy Consultation
Before the insurance adjuster comes out to perform an inspection, review your policy (or, get in touch with for a Free Policy Review). No two policies are the same, even if they are from the same insurance carrier. It is important for you to know going into the negotiations exactly what is and what not covered.
Gather Quotes
Getting multiple quotes from contractors to compare the costs and services offered is going to help you in the negotiations. If you happen to have representation through your claim, you can also ask your Public Adjuster for recommendations. It is very likely that your neighbors will have sustained similar damages to you and are working with other contractors – so asking around the neighborhood is another good option.
Keep Detailed Records
Throughout the claims process, it’s important to document everything. Keep records of all communication with your insurance company, adjuster, and contractors. Keep copies of all receipts, invoices, and other paperwork related to the repairs.
Follow Up
Stay on top of your insurance company to make sure that your claim is being processed smoothly. If you feel that they are not being responsive or that you are not getting a fair shake of things, don’t hesitate to reach out to us
Handling hail damage for property insurance claims can be a stressful and time-consuming process. The good news is that you are not alone! Hiring a public adjuster will help you navigate the claims process effectively, get your claim settled in a faster time period, ensure that you are receiving the maximum compensation that you are entitled to, and provide peace of mind during a stressful time.
Have roof damage from the hail storm?