Hail caused by severe weather can cause serious damage to homes and businesses. Not only does it effect the roof but can damage windows, doors, siding, and HVAC units. Impacts from hail stones can create more serious damages if left unrepaired. It can cause interior water leaks and even mold from occurring. With hail loss, solidifying a date of occurrence, or loss, is important in the success of the claim. Being fully prepared before filing a claim with your insurance company will set the claim up for success from the start. Our team of experts will help in weather verification, collateral damage documentation, and estimation.
Damage Domino Effect
While hail stones directly affect the property they hit, they can cause further problems to arise. Roof systems impacted by hail can eventually experience deeper issues resulting in interior damages. The sooner hail damage is discovered and properly repaired, the better off you will be. Hope Public Adjusters’ team of experts have the tools and knowledge to properly assess damages caused by hail. We’ll ensure every damage is accounted for and you get a full value settlement.
Prepping The Claim
Before a claim is filed with an insurance company, there are several items you should have in place to help ensure the most successful outcome. Documenting collateral damages is crucial in substantiating hail damage to a property. Collateral damage assists in determining hail size, hardness, volume, and basic claim validation. It can assist in identifying red flags before presenting to the carrier. Prior to any insured filing a claim, date of loss verification should be confirmed. Our team of public adjusters has reliable tools and resources to verify a date of occurrence to back up property damages. Along with date of loss verification, you should review your policy for coverage limitations and exclusions. These can include roof surface endorsement, cosmetic exclusion, co-insurance penalty, separate wind / hail deductible, wind / hail exclusions, policy limits, etc. Our public adjusters are licensed and certified to read and negotiate based on policy language.
The Hope Approach to Winning Claims
1. Inspection – a standardized inspection process
2. Documentation- Compilation of the Burden of Proof Packet
3. Estimation- Constructing Accurate Amount of Loss
4. Negotiation – We speak the language of the land, “Policy”
5. Settlement- Taking Steps To Expedite The Claim