Hail damage can often be missed and then lead to serious damage to your property. A delay in filing your commercial insurance claim for hail damage can become a hurdle in getting the optimum insurance recovery for your business. We can help.
Hail damage leads to an average of nearly $1.3 billion in property damage each year, plus tens of millions of dollars in crop damage.
Usually, the most costly hail damage occurs on the roof of your building, but depending on the type of roof, the extent of the property damage can go undetected or be difficult to measure. If not identified and dealt with promptly, subsequent damage can occur later, such as water damage and potential structural damages extending from that.
Hail damage can also impact windows, doors, air conditioning units, landscaping, and vehicles. Our public adjusters understand the full scope of hail damage and will work with you to evaluate and document your property damage in detail to negotiate a claim with your insurance company that will get you what your business needs in order to recover. When it comes to property damage insurance claims, public adjusting services can make a crucial difference in getting you a fair settlement. Our team of expert adjusters will help you recover more from your Texas hail damage, sooner.
Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
What is my agent/broker’s role? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
The insurance company hired a construction estimator. What do I need to know?
Loss of Appearance allowances. Are they covered?
Why is a claim strategy so important?
Am I impacted by coinsurance?
Prompt inspection and documentation by YOUR experts is key.
How is hail damage determined/identified?
Can there be damage to the roof without any visible damage?
Air conditioning units: repair vs. replacement. Can repaired units have the same efficiency?
Chipped roof tiles. Do they need to be replaced?
Value engineering a different roof covering vs. paying for what was actually damaged. Is that a good strategy?
Do you have to accept a settlement that leaves you with dented property?
Exterior paint. Requirements/protocols regarding matching all sides.
Is there coinsurance in your policy? Properly managing coinsurance requirements can prevent financial disaster. Not properly managing coinsurance requirements can put you out of business! If there is, what does it mean? If there is, did your insurance adjuster explain it to you? How is coinsurance calculated: on replacement cost or actual cash value?
Prompt inspection and documentation is key to a successful claim.
Is there a methodology to properly document the loss?
It takes a trained professional to identify and document hail damage. Do you have the right experts lined up? You should not rely only on the insurance company’s experts.
How much of my time will this take?
Property Damage Losses Commercial Claims Recovery Process
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
The adjustment of our major hail storm claim would have been much more challenging without your dedicated involvement... I recall you and your team were on my roofs for at least three consecutive days in anticipation of this initial critical meeting with the [insurance company's] adjuster. By the end of the first morning with their team, they started to change their opinions and truly recognize the severe damage that had occurred from this storm. I appreciate that we were able to focus on our core business while we let your team handle the tedious details of our claim.
Through careful inspection and from your experience, you were able to prepare an estimate that was more than what we initially received from our carrier. You also overcame their [the insurance company] adjuster's opinion that the shingles did not suffer wind damage... Thanks again for your advocacy and professionalism!