Fewer Hailstorms But Bigger Hail Predicted

Fewer Hailstorms But Bigger Hail Predicted

In a CNN article written by Judson Jones in June of 2017, he reported that although climate change caused by humans would bring fewer hailstorms in the coming years, the hail stones would likely be much bigger and more destructive. So, climate change means Fewer Hailstorms But Bigger Hail.

More specifically the article stated that a new study says that climate change is likely to reduce the number of hailstorms across North America in the coming years, but don’t get rid of your insurance policy. You will probably still need a new roof due to hail damage, as the research suggests the storms that do come will be more destructive and damaging.  Fewer Hailstorms But Bigger Hail Predicted.

According to a study, published in June of 2017 in the journal called Nature Climate Change, human-induced climate change is likely to decrease the number of hailstorms while increasing the size of hail in the storms that do form. The report is quoted as saying,

“As the planet warms, we are finding that we’re having fewer rainfall events, but when it does rain, it tends to be heavier. And that seems to be what — at least what our work is suggesting — it could be what’s happening with the hail as well,” said Julian Brimelow, a researcher with Environment and Climate Change Canada, a government department, and a co-author of the study.

The research team used computer modeling simulations of hail growth to discover how hailstone growth will change in the next few years. The research team ran models for the years 1971-2000 and 2041-2070 and then compared the data. “This is not a calculation you could do on the back of an envelope,” Brimelow said. It took about six months to run the calculations for a 50-kilometer resolution model that includes most of North America, run for four time periods a day for the 30-year intervals, past and future.

“At the end of the day, we generated about a billion profiles,” he said.

Though the researchers weren’t surprised there would be less hail in the future, they were surprised it would be more damaging, he said.

According to the study, “Drier and cooler regions are predicted to experience the largest increase in hail threat,” such as the Northern Plains, whereas warm and moist areas like the Southeast are likely to see a decreased threat.

The greatest impact was found to be areas already hail-prone, like the High Plains, increasing both hail frequency and size over spring and summer.

In the past several years, billion-dollar hail events have been on the rise. There have been at least three billion-dollar hailstorms in the last two years, including one in just the past few months.

On May 8, one hailstorm in Denver, Colorado caused an estimated $1.4 billion in damage, mostly to vehicles stuck in traffic.

One could therefore expect that the amount of property damage will increase along with hail disasters.

But this all depends on where the hail falls, said Julie Rochman, president and chief executive officer of the Insurance Institute for Business & Home Safety. A hailstorm in an empty field won’t cost anyone anything, but one in a city definitely will.

The institute is also doing its own hail research focused on what causes different types and sizes of hail, as well as hailstone softness and materials that can better withstand hail damage.

The new study will help add to the understanding of the types of environments that create different “flavors” of hailstorms, Rochman said.  Fewer Hailstorms But Bigger Hail Predicted.

“It’s an exciting time for hail research,” Rochman said. “A lot of bright minds are looking into how hail will change in the future.”  Fewer Hailstorms But Bigger Hail Predicted.

The institute’s meteorologists were enthused by the new study, she said. In the world of climate change, she said, hail hasn’t gotten a lot of attention.

Brimelow agrees that “virtually nothing” has been done in this space.

More research is being done in Europe, where hail impacts more people due to greater population density. In North America, hail research has mostly given way to the study of tornadoes since the 1980s.

Brimelow says the researchers will be happy to share their code with anyone who wants to run it for other parts of the world.

“We are just hoping this study spurs some interest,” he said.

When you see or even suspect your roof is damaged by hail, call a roofing professional right away. The worst thing you can do is delay and wait days to contact help for your home’s roof. Hail Roof damage is not always obvious or visible from the ground. Certainly if your roof is leaking or you see missing tiles, shingles, slate or panels, an inspection is needed now. The best way to know for sure if your roof is damaged is to have a professional roofing technician carefully and thoroughly inspect your roof to detect hail storm damage and schedule a roofing repair so that additional damage does not occur to your home. Many insurance companies would love nothing more than to deny your home insurance claim due to your failure to mitigate damages. By you delaying to get the home’s roof inspected and repaired can be cause for an insurance denial.  Fewer Hailstorms But Bigger Hail Predicted.

Many times, an insurance company will offer you less than your hail damage claim is worth. We have experience dealing with insurance companies. If you need help to get the full value of your hail claim, please contact us today!

Steps to Filing a Hail Damage Claim

Enduring a hail storm can be stressful. Dealing with insurance and knowing what to do is confusing. Below, we have laid out four steps to filing a hail damage claim.

Steps to Filing a Hail Damage Claim

Steps to Filing a Hail Damage Claim
Steps to Filing a Hail Damage Claim

1. Gather Information Right After the Hail Storm

Right after the storm, you need to make a note of the day and time when the hail storm occurred. This is important because the insurance company will want to make sure that it coincides with reports from local weather and public safety authorities.

You will need to take photos of:

  • Outside of your home covered with hailstones
  • Closeup of hailstones next to a ruler or measuring tape
  • Obvious hail damage – such as torn or missing shingles
  • Any leaks within the attic

2. Roof Estimate

Before you call your insurance, call a roofing contractor first. You want to make sure that you find a qualified, experienced contractor that has years of experience dealing with hail damage. You will also make sure that they are qualified to repair the type of roofing that is on your home.

Once you find a roofing contractor, discuss your roof repair with them. Show them the photos that you took after the storm. They will need to do an inspection and an assessment of your roofing and the repairs that need to be made. They should outline the areas in chalk that need to be repaired. They should take photos off the damaged areas. At this point, they should explain the extent of the damage, and they may discuss if it may be a better idea to replace your roof. They should offer you an estimate of the work that needs to be done. No repairs should be made at this point.

3. File an Insurance Claim

Once you have a price for your roof repairs, you can call your insurance company.

Before you make the call:

  • Find your homeowners insurance policy
  • Know your insurance policy number and your deductible
  • Organize the facts that you have collected including date/time of storm, size of hailstones, price given in estimate

When you make the call, you will be given a claim number, make a note of that number. You will be assigned a claims adjuster for your roof repairs.

4. Insurance Inspection

Your insurance adjuster will give you a call to schedule a time when they will do the inspection. Make sure to ask them if they would like to see the photos of the damage, you may be able to send it to your adjuster before your inspection. You should have your roofing contractor come to the roofing inspection. This way, your contractor can explain the extent of the damage and their findings during their assessment. Your adjuster will do their own inspection.

After the inspection is over, your adjuster will let you know if your claim has been approved. If it is approved, you can then begin to discuss your roof repairs or replacement with your contractor.

Many times, an insurance company will offer you less than your hail damage claim is worth. We have experience dealing with insurance companies. If you need help to get the full value of your hail claim, please contact us today!

Will Filing a Hail Claim Affect My Premiums?

Technically speaking and traditional experience would facilitate that the usual answer is “no.” But traditional experience and technical legal language aren’t always accurate. I’ll explain more in a moment and it may not be the answer that you’re expecting. Let’s begin with traditional experience.Most insurance companies do not raise premiums or deductibles for “individuals” for filing a claim due to hail or wind damage. It is considered an Act of God or Nature. It is not the same as an auto accident. If you think about it, it’s not like you can pick up your house and move it to avoid being hit by hail or hurricane force winds. There is a reason why we pay for those insurance premiums year after year- to have coverage when we need it.

Will Filing a Hail Claim Affect My Premiums?

There are some insurance companies that offer special discounts for not filing claims over a certain period of time. Overall, the following information will help you decide if filing and insurance claim on your roof for hail damage is right for you. One of the items that I’d like to quickly mention that is if you have actual legitimate hail damage, other areas on your property may need to be repaired or replaced.

Guttering that is made of aluminum is susceptible to hail impacts and are often times replaced after a hailstorm with large hail stones. Currently most insurance companies replace gutters that have cosmetic damage. However I hear rumblings from the insurance restoration industry of soon coming changes in regards to cosmetic damage. Window screens are consistently damaged from hail stones that are on the windward side of the storm. You wouldn’t expect to see damage to window screens on the leeward side of a thunderstorm. The exterior paint job in a large hail storm may have been impacted. The stones will actually crack the paint and bruise the siding or wood on the property. Outdoor furniture and playground equipment can be negatively impacted from large hail and if the insurance policy language has coverage for this it may be beneficial to file a claim when you begin to see all of the areas that may have been damaged from the hail. Some of these items can be safely inspected from the ground.If you begin to see a lot of damage at ground level there’s a reasonable argument for roof damage. I’d recommend that the roof be inspected before filing a claim.

Can rates increase for a geographical area?

While they do not directly increase your premium or deductible individually for filing a claim, if there has been a catastrophic event or series of events in your area in which many claims are filed, historically insurance companies have been known to raise deductibles over the entire area upon renewals to recoup their losses. Generally speaking, premiums increase in a geographical area after large hail events even if you don’t file a claim. A friend from another state saw this after Hurricane Ike and they witnessed some policy premiums increasing up to 20%  with a spike in the insurance deductibles as well. Insurance companies do need to keep a healthy bottom line to be strong and viable companies, and this is one way they can protect their bottom line without penalizing clients in low risk areas.

What should I do as a homeowner?

Functional Damage to Shingle
Functional Hail Damage to shingle

What does this mean to me as a homeowner? Well, if you are the owner of a home in an area that was hit by hail or strong damaging winds and you see quite a few neighbors getting roofs replaced, chances are you need to have yours inspected. The roof system is designed to shed water to the eave of the roof where it is deposited into a gutter or falls to the ground. Functional damage is when the roofs water shedding capabilities are diminished to where the roof system is no longer able to completely do what it was designed to do. Additionally, if a roof system experiences a significant loss of life expectancy, then the system’s primary function has been compromised and needs to be repaired or replaced. If a roof truly has functional damage it would not only be appropriate, but advantageous to file a claim with your insurance carrier. The only issue a home owner may have is knowing whether or not the roof is actually damaged. Certainly, if the shingles are not damaged from the hailstorm I’d advise against filing the claim. If you have damage and a claim is filed the vast majority of insurance companies will not punish you for doing so. The chances are that your deductible or premium could go up anyway because of your proximity to the location of the storm whether or not you file a claim.

There is a window of opportunity in which to act, so if you are in an area hit by a recent hail storm, it is a good idea to call for a free inspection as soon as possible.  If you need help with your hail damage claim, please contact us today.

Hail Claim Lawsuit Damages

If your insurance company won’t pay you enough to settle your homeowners hail damage claim, you might have to file a lawsuit. This is often called a “bad faith” claim. Bad faith insurance claims can result in various types hail claim lawsuit damages for plaintiffs. These damages can vary from claim to claim, depending on factors like (but not limited to) the nature of:

  • The original claim filed with the insurance company
  • The act(s) of bad faith committed by the insurer
  • The losses the policyholder suffered due to the bad faith practice(s).

Hail Claim Lawsuit Damages: Compensatory Damages 

Compensatory damages refer to the awards granted to cover the losses suffered as a result of:

  • A covered disaster or event (i.e., the “actual” damages to the covered property).
  • The acts of bad faith.

For property damage claims – like windstorm or hail damage claims, compensatory damages can include (and may not be limited to) awards to cover the costs of:

  • Contractor estimates
  • Construction labor and material costs
  • Relocation costs (for property owners)
  • Future repairs (when related to the original damage)
  • Lost wages.

In addition to these economic damages, Texas laws allow recovery for attorney fees. This means that an insurance company acted in bad faith, they are legally responsible to pay for:

  • The repairs necessary to restore the property damage (caused by the covered event)
  • The contractor’s fees, including overhead expenses
  • Reasonable and necessary attorney’s fees (related to resolving the bad faith claim).

Hail Claim Lawsuit Damages: Punitive Damages 

Punitive damages can also be available for some bad faith claims practices in Texas. Also referred to as exemplary damages, punitive damages are meant to punish an insurance company for the bad faith conduct (rather than repay the insured for the losses (s)he sustained).

Though rare, punitive damages can:

  • Be awarded when an especially malicious, fraudulent, negligent or criminal act is associated with a particular claim or when an insurance company has a history of acting in bad faith
  • Significantly increase the value of a claim
  • Serve as powerful leverage for getting insurance companies to fairly settle claims – If an insurer knows there’s a possibility of punitive damages being awarded by a jury, it can be far more willing to settle pretrial (to try to avoid paying out higher jury awards that could include punitive damages).

It’s important to understand that Texas law does place a cap on the available punitive damages. Specifically, Texas law dictates that:

Exemplary damages awarded against a defendant may not exceed an amount equal to the greater of:

  1. Two times the amount of economic damages plus an amount equal to any noneconomic damages found by the jury, not to exceed $750,000; or
  2. $200,000.

An attorney can explain how this cap may apply to your potential claim and what you need to do position your bad faith insurance claim for success.

If you need an attorney to help fight for you, please contact us today.

Hail Damage Roof Attorney

Hail Damage Roof Attorney

Whenever there’s a hail storm in Texas, insurance companies get bombarded with claims. Generally, your insurance company will pay you as little as possible to make you go away. How do you know you are getting fair compensation for your hail damaged roof? It’s important to consult a hail damage roof attorney before you settle your claim.

1) Do your homework and get educated about your coverage and any potential costs prior to contacting the insurance company. Locate and carefully read your Homeowner’s Insurance Declaration pages regarding your coverage especially the replacement coverage articles.

2) Prior to anyone getting on your roof, other than the insurance adjuster (with proper credentials), obtain a current workers compensation and general liability certificate. These coverages should then be verified with the listed insurance agent. If anyone is injured on your property, you are liable without this protection!

3) Contact your insurance company and let them know of any damages (hail or wind) that you think you may have incurred.  Regardless of what any contractor tells you, your insurance company must approve your claim for a hail damaged roof.

4) Go ahead and get one or two detailed proposals for replacing your roof. Make sure you only contact State Licensed Contractors in the state where your home is located. And they should be certified by the roofing product manufacturer and listed on the manufacturer’s website as such. Be sure to check all contractor credibility through sources such as: Kudzu.com, AngiesList.com and the Better Business Bureau.

5) Never sign any agreement that allows a contractor to act as your representative to file an insurance claim or receive an insurance payment. Never sign any agreement that states that a contractor will install your new roof for whatever the insurance company will pay.

6) Schedule a time to personally meet with your insurance adjuster. Make sure the adjuster thoroughly inspects your roof for not only suspected damage but any other damage. Provide the adjuster with your preferred contractor’s detailed written proposal. Your insurance adjuster will provide you with a report detailing all of their expenditures for your claim amount.

7) Provide the insurance companies report to your contractor for their review to insure that the quantities of material and the complete replacement value are correct. The contractor can help you determine if you need if you need subrogation from your insurance company. This can usually be done with a phone call between the insurance adjuster and your contractor. This should be the only time your contractor should speak with the insurance adjuster on your behalf. The insurance adjuster will notify you of any changes to your claim.

8) Remember your homeowner’s insurance adjuster is the only person that can approve an insurance claim. You are in control of the contractor that performs any work on your home. DO NOT give any contractor any money up front for a roof replacement. Any reputable company can over the costs of material and labor until the job is complete. Make sure the insurance company makes the claim check payable to you and not your contractor.

Please contact a competent hail damage roof attorney today to make sure you get the full value of your claim. We would love to help you.