Written by Andy Gurczak

January 4, 2022

Hailstorm Damage Claim: Everything You Need To Know

What to Do If You Have a Hailstorm Damage Claim

In certain parts of the country, hailstorms are a common weather event. Indeed, some hailstorms have chunks of hail the size of golf balls (or larger) falling from the sky. Unfortunately, falling hail can cause thousands of dollars of damage to roofs and other parts of homes and commercial buildings. As a result, if you have a hailstorm damage claim, there are several steps you should take to make sure your hailstorm damage claim is processed quickly and to your satisfaction.

A Hailstorm Has Hit Your Area-What Should You Do First?

If you went through a powerful hail storm, and you think hail damaged your home or commercial building, get out your camera. Certainly, you should walk around the building to see if the storm has caused property damage. Specifically, check for damage to the roof of your home or building.

Therefore, take as many pictures as you think necessary to reflect the damages to your property. Remember, hail is ice, and it is going to melt.

Consequently, put a ruler on the ground among hail stones before they melt. Additionally, take photos of the damage to the roof. Moreover, take photos of the storm- damaged windows, doors or other structures on the property.

Contact a Roofing Contractor for Your Hailstorm Damage Claim

If there is damage to your roof, you may need to make immediate repairs. Under your insurance policy, additional damages caused by later storms, such as water leaking through holes on the roof, may not be covered by your insurance company if you failed to repair the damages caused by the hailstorm.

Therefore, contact a roofing contractor. Have them inspect your roof and get a written estimate for the repair or replacement of your roof. You will give the estimate to the insurance company.

File a Hailstorm Damage Claim with Your Insurance Company

Once you have determined there is damage to your property from the hailstorm, file a hailstorm damage claim with your insurance company. Of course, include information on the time and date of the hailstorm.

Additionally, send them all the photos you took of your damaged property. Include any repair or replacement estimates you have. Insurance companies want to see proof of the damages. Therefore, give them all the proof you have!

The Insurance Company Will Send an Insurance Adjuster Who Works for Them to Inspect Your Damaged Property

Early in the hailstorm damage claim process, the insurance company will send an insurance adjuster to inspect your damaged home or business. For instance, the adjuster may be a company adjuster. As a matter of fact, a company adjuster is a salaried employee of the insurance company.
Alternatively, they may send an independent adjuster. An independent adjuster is not an employee of the insurance company. However, he or his firm only works for insurance companies. In addition, they get paid by insurance companies to provide their adjuster services.

To clarify, company adjusters and independent adjusters never work for property owners.

An insurance company may use an independent adjuster for a large damage claim. Or they may use independent adjusters if a hurricane damages property across multiple counties or states.

In any event, company adjusters and independent adjusters know that insurance companies are not in the business to make generous damage claim settlements. Rather, they know the insurer will pay as little as possible to settle a hailstorm property damage claim.

First, keep notes as the company adjuster makes his inspection. Second, show him your damaged property. Third, note how long the inspection takes and what parts of your property the adjuster looks at.

Do You Need a Public Adjuster?

For small damage claims (under $10,000), probably not.

However, if you have a large damage claim, a public adjuster can make sure the insurance company settles your claim for the full amount of money to which you are entitled. Unlike the company adjusters and independent adjusters, public adjusters only work for property owners.

In addition, the state in which they work licenses them. Frequently, they previously worked as adjusters for insurance companies. As a result, they know how insurance companies handle the property claim process.

Public Adjusters Work for You!

Public adjusters will collect the documents and information you will need to submit to the insurance company with your claim. In addition, they will coordinate with any contractors to make sure your damaged roof or building is rebuilt properly.

Moreover, public adjusters will also negotiate with the insurance company to make sure the insurance company pays you the full amount due to you.
And you don’t pay the public adjuster until they settle your claim. He gets paid a percentage of your settlement. Typically, that percentage is between 10 and 20 percent of the settlement. You and the public adjuster will agree on the percentage when you hire the adjuster.

If You Need a Public Adjuster for a Hailstorm Damage Claim Call AllCity Adjusting

To begin with, we are a family-owned claims company. Additionally, we have five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.

Insurance companies undervalue your claim 8 out of 10 times. Moreover, they hire expensive adjusters to ensure they maintain a strong profit margin. Additionally, they have experienced actuaries on staff. They create insurance agency guidelines that help their team of agents challenge your insurance claim’s validity.

Of course, you have already gone through a tumultuous event. For this reason, get an agency that gets you more.

At AllCity Adjusting we work to ensure you get 100% of your claim value. Equally important, with over 50 years of combined adjusting experience, we know insurance companies and understand where they cut corners. Moreover, we help you build a larger claim and get you back to normal fast. Don’t get fooled. Instead, get the company that gets you more.

If you have received a low-ball offer from the insurance company, or you just want to talk to someone on your side, call us at 844.692.3587.

Alternatively, you can email us at info@allcityadhjusting.com.

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Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.
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Salvageable v. Non-Salvageable Property After a Fire

Salvageable v. Non-Salvageable Property After a Fire

If a fire has occurred at your home, your first concern, of course, is the safety of yourself and your family. However, depending on the extent of the fire damage, you will have to resolve the issue of salvageable v. non-salvageable property after a fire. Homeowners’ insurance protects your home itself (Dwelling Coverage) and its contents (Personal Property Coverage). High heat, smoke, and soot can cause extensive damage to your personal property, such as clothes, furniture, hardwood floors, and appliances. For instance, smoke damage causes fabrics, clothes, and soft goods to reek of the smell of smoke. Additionally, smoke and soot can discolor objects and reduce the life span of electronics and machinery. Consequently, you and your insurance company will have to determine which personal property is salvageable v. non-salvageable property after a fire.

Actual Cash Value v. Replacement Cost Value

Actual Cash Value v. Replacement Cost Value

Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.

What is an Appraisal Clause in an Insurance Policy?

What is an Appraisal Clause in an Insurance Policy?

Water damage insurance claims are some of the most frequent home insurance claims that homeowners file. However, homeowner insurance does not cover all types of damages caused by water. Therefore, handling water damage insurance claims requires the homeowner to be careful and diligent before and during the claims process.

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?

How to Negotiate a Fire Damage Insurance Claim

How to Negotiate a Fire Damage Insurance Claim

One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.

Insurance Claims for Poorly Installed Stucco

Insurance Claims for Poorly Installed Stucco

Stucco is a popular siding used on new developments, homes, and businesses since the early 1900s. Manufacturers make it of cement, limestone, and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.

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