Understanding Hail Damage Insurance Claims
As the midwest’s rainy season approaches, hail becomes a chief concern for many Missouri homeowners. Hail damage can destroy soft metals, roof shingles, glass, and other materials in your home. Homeowners can be left with extensive losses that become complicated insurance claims. Our Missouri public adjusters at Edwin Claude have helped countless homeowners navigate their claims and get a proper settlement. Today, let’s explore hail damage and how you can get a better settlement for your Missouri hail damage insurance claim.
Common Types of Damage Caused By Hail
While large hail typically creates easily noticeable damage, smaller hail can also damage your property over time. Our St. Louis public adjusters frequently see the following types of damage:
● Roof Damage: Broken or missing shingles, missing granules, and denting/blistering
● Soft Metals: Dents and dings on gutters, roof vents, siding, and downspouts
● Structural Issues: If your roof’s integrity is compromised, water can get into your home and cause structural damage
Why Hail Claims Are Often Underpaid
Insurance companies frequently deny claims for several reasons:
● Hail damage is difficult to spot in less majorly impacted zones or on older roofs
● Your insurance may have disagreements on whether the damage caused was
functional or purely cosmetic
● Pre-existing issues with the roof may nullify any new damages caused by hail
Getting Proper Documentation
Documentation of your roof from before and after a hail damage event will greatly help your case when trying to get an insurance claim approved. If you know that a substantial hailstorm may be coming through your area, take a picture of your roof before the storm hits your area. Having a comparison image to point to can be an invaluable tool if your roof is damaged. If the hail is strong enough to knock shingles or metal elements to the ground, photograph them before you clean up your yard. Anything that can emphasize the magnitude of the hail that struck your home should be documented with photographs or videos if possible.
How a Public Adjuster Can Help
Our public adjusters can help convince your insurance provider to cover hail damages, even if they’ve lowballed you already. We can compile a full scope of losses and document all of the damage done to your roof. We’ll use this information and our wealth of experience to negotiate with the insurance company, advocating for your interests. With our help, you can get the claims process completed as quickly as possible and receive the maximum settlement for your hail losses.
Contact Us Today!
Large insurance companies have their own teams of adjusters working and protecting their interests. You deserve to have an expert on your side for times like this! Don’t navigate your hail damage claim alone. Our experienced team of Missouri public adjusters can help you secure the settlement you deserve. Give us a call at 314-993-2266 today for a free consultation!
