Filing a hail claim for hail storm damage with a homeowner’s insurance company can be very complicated and overwhelming. Some types of hail damage may be covered, while other types may not. Some homes that are located in areas with a high risk for certain types of storms may also require that additional coverage be purchased. If you have a hail claim and have run into difficulty with your home insurance company, call our Texas Hail Storm Damage Attorneys today at 1-888-724-HAIL (4245).
Hail Damage Coverage
When purchasing homeowner’s insurance, it is important that all aspects of the insurance policy are clearly understood, so that claims for hail damage are not denied.
Types of Hail Storm Damage
Hail storm damage may differ depending on the type and severity of the hail storm, the style of your home, and other factors such as the type of shingles on your roof. San Antonio home owners may be advised to take certain precautions in order to limit the amount of damage that hail storms can cause, such as placing a tarp over damaged holes in your roof and windows to prevent more interior water damage.
Common Types of damage that homeowners may encounter following hail storms include:
* Tree damage
* Damage to home and structures from falling trees
* Damage to the granules on asphalt roof shingles
* Destruction of property from strong winds that accompany hail storms
* Damage to siding and windows from hail stones
* Cracked or dented roof shingles from hail stones
* Damage to foundations, sidewalks, and driveways from large hail stones
* Destruction of property from flying debris during hail storms
* Flooding from rain accompanied by hail storms
Hail Damage Claims
Following a hail storm that has caused property damage, home owners should contact their insurance company and file a hail claim as soon as possible. There is a small window in which homeowners have to file a hail claim before the statute of limitations applies. Home owners may be asked to provide a listing of hail damaged property along with an estimated valuation. The insurance company will more than likely send out an insurance adjuster to assess and document
the hail damage to your home. The insurance adjuster’s estimates are very often much lower than the actual cost of repairs, so it may be helpful for the home owner to seek the opinion of an unbiased party or to call our Texas Hail Storm Damage Attorneys today at 1-888…. For a free inspection.
Denied Hail Damage Claims
If a hail damage claim is denied, the insurance company is required to supply you with the reason for their hail claim denial. While a denial on the basis of restrictions that are outlined in your home insurance policy is often times acceptable, homeowner’s insurance companies may also deny hail claims on the basis that home owners did not take the necessary precautions to prevent hail damage, such as cover windows that broke from hail to prevent subsequent interior water damage. Also, homeowner’s insurance companies may also deny hail claims due to homeowner error during the hail claim filing process.
Handling Denied Hail Claims
If your hail damage claim was denied by your homeowner’s insurance company and the reason does not satisfy you, call our experienced Texas Hail Storm Damage Attorneys today at 1-888-724-HAIL (4245). San Antonio Hail Claim Attorneys have litigated each of these issues many, many times against some of the world’s largest insurance companies. While you the homeowner are entitled to file an appeal following a denied hail claim, home insurance companies often times will not overturn a decision unless they are pressured to do so by the presence of a knowledgeable hail attorney. If your hail claim is denied due to a provision that is not clearly expressed in your home insurance policy, the insurance company is obligated to honor your hail claim. If your home insurance company failed to warn you the home owner that common storm risks, such as hail damage to your roof is not covered under your standard homeowner’s insurance policy, the insurance company may be required to cover the hail damages. If it is determined that your home insurance company was intentionally misleading you, your home insurance company may also face legal penalties.
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