Commercial Insurance Claims for Hail Damage

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 causes 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 the 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.

What To Focus On After Hail Damage

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

Property Damage
Time Element
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
Negotiations & Settlement
Restoration Of Property & Operations

How Our Team Helps You

  • Evaluate Fully reviewing your insurance coverage.
  • Strategy Developing a claim management strategy.
  • Compliance Determining policy compliance issues.
  • Valuations Completing detailed valuations of building, equipment and inventory losses.
  • Interruption Formulating business interruption models.
  • Itemization Presenting and supporting an itemized claim package to your insurer.
  • Negotiation Negotiating on your behalf with your insurance company.
  • Communication Keeping you informed every step of the way.
  • Settlement Ultimately settling the claim for the maximum amount and with less hassle for you.

Industries We Have Helped

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.
John F. Medved
Testimonial
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!
Mark Copeland
Testimonial

Related Resources

Contact Us

If you're suffering from a commercial property claim, we can help!
Call us at 800.578.1851 or fill out the form below:
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Meet Your Public Adjuster
Jim Beneke
Jim Beneke, SPPA
President
Jim is a third-generation public adjuster, he has a reputation for honesty and integrity in negotiating a fair and proper insurance settlement for his clients.
Contact him today!