2019 San Antonio Hail Claim

It’s that time of year again. Spring is just around the corner, and with that comes hail season. Do you need help with a 2019 San Antonio hail claim? We have experience dealing with insurance companies who sometimes try to deny or low-ball homeowners on their hail claims.

2019 San Antonio Hail Claim Questions

To get started on your hail claim, here are some key questions you will need to answer:

1. Does my insurance policy cover hail claims?
2. How long do I have to file my 2019 San Antonio hail claim?
3. Will filing a 2019 San Antonio hail claim raise my insurance rates?

Does my insurance policy cover hail claims?

Hail damage is covered by most standard home insurance policies, but coverage is applied in a variety of ways, depending on where you live, your insurer and how your policy is set up. We can help explain how your home insurance pays for hail damage to your house and what to do if hail damage is excluded from your policy.

How long do I have to file my 2019 San Antonio hail claim?

A homeowner should generally file their 2019 San Antonio hail claim promptly because many standard policies require filing a claim within one year of determining that a hail storm has damaged your roof or other parts of the house.

The deadline to file a hail claim is usually two years from the date of the hail event, although it is possible to set a statute of limitations on a case-by-case basis, or even on a storm-by-storm basis. For example, when Hurricane Ike hit Houston and caused billions in damage, a statute of limitations was set forth that would allow all the claimants a suitable amount of time to file.

If you are unsure if it is too late to file your hail claim, give us a call.

Will filing a 2019 San Antonio hail claim raise my insurance rates?

Sometimes. Since hail damage isn’t caused by the homeowner’s negligence, your insurer typically won’t increase your rate. However, your rate may increase if you’ve filed a claim within the three previous years, and the hail claim is your second. Also, while your individual rate may not go up, if you live in an area prone to hail damage, the insurance company may charge everyone in that vicinity a higher base rate compared to places where hail is infrequent. Finally, some states, including Texas, prohibit home insurers from raising rates after just one claim, so it also depends on your state laws.

If you or someone you know  has had hail damage to a home, please give us a call. We would love to help you! As always, you don’t pay us unless we get you paid. No recovery, no fee.