After a hail storm, there are a few steps you can take to protect your household, prevent further property damage, and streamline the insurance claims process. First, check that everyone is safe and provide first aid if necessary. Remove any immediate dangers and stay indoors or in your vehicle until the hail storm completely passes to avoid further harm. Next, inspect your property for visible damage and:
- Document everything with photos and notes.
- Make temporary repairs to prevent further damage.
- Contact your insurance company as soon as possible to report the damage and begin the claims process.
In complex cases or if you encounter difficulties with your insurance claim, a Boca Raton storm damage lawyer can explain your rights and verify you’re taking the best steps to support your claim.
What Should I Document After A Hail Storm?
According to NOAA National Severe Storms Laboratory, hail can cause billions of dollars of damage to structures. Documenting hail storm damage can support your insurance claim. Make sure you:
- Take clear photos and videos of any visible damage to your property, including roofs, windows, vehicles, and outdoor furniture. Capture both close-up shots and wider angles to provide context.
- Make a detailed list of all damaged items and note the extent of the damage. Keep any damaged property for inspection, and save receipts for any temporary repairs or materials purchased.
- Act quickly to prevent additional damage and ensure your claim is started as soon as possible.
A lawyer can help ensure your documentation is thorough and properly supports your claim, which can be especially useful if there are disputes with the insurance company.
Should I Make Any Temporary Repairs?
Yes, making temporary repairs can prevent further damage to your property. For example:
- Cover broken windows with boards, plastic sheeting, or tarps.
- Secure any damaged roof areas with tarps to prevent leaks, but only if you can do so safely.
- Clean up any potentially hazardous debris, such as broken glass.
- Remove any water that might cause mold.
Keep receipts for all materials and services used for these temporary repairs, as your insurance may reimburse these costs. A storm damage lawyer can offer legal advice about how to document these efforts to avoid disputes later.
How Do I File a Hail Damage Claim?
Filing a property damage claim involves contacting your insurance company as soon as possible to report the damage. The hail storm claim process typically involves:
- Scheduling a time for an adjuster to inspect the damage.
- Submitting your documentation, including photos, a list of damaged items, and any receipts for temporary repairs.
If you encounter any challenges dealing with insurance adjuster on hail damage or delays during the claim process, a lawyer can assist with these issues and advocate for a fair settlement. For example, bad faith insurance practices occur when an insurance company fails to uphold its obligations to policyholders, acting dishonestly or unfairly to deny, delay, or undervalue valid claims.
Even if insurers are acting in good faith, you may encounter complex situations that can delay your claim, and a lawyer can help you navigate these circumstances.
What Should I Expect During the Insurance Adjuster’s Visit?
During the insurance adjuster’s visit, they will assess the damage to your property and provide an estimate for repairs. Try to point out all areas of damage and share your documentation, so the adjuster doesn’t miss anything.
The adjuster will take notes and photos for their report, which will be used to determine the amount of your claim. A lawyer can help you be better prepared for the adjuster’s visit to make sure all damage is properly documented and assessed.
What if I Disagree with The Insurance Adjuster’s Assessment?
If you disagree with the insurance adjuster’s assessment, you can:
- Request a re-assessment.
- Hire a public adjuster for a second opinion. A public adjuster works independently and can provide an unbiased assessment of the damage, which you can then present to your insurance company for reconsideration.
- Consult with a storm damage lawyer from our firm to negotiate with your insurer or pursue further action if necessary.
How Do I Know What My Insurance Policy Covers?
Make sure you review the policy documents or contact your insurance provider directly for details about your policy coverage. Pay attention to details like:
- Coverage limits
- Deductibles
- Any exclusions specific to hail damage
Your insurer can clarify any questions you have about your coverage and what you can expect in terms of compensation. A lawyer can also help you fully understand your policy, state laws, and homeowners’ rights so you’re aware of all the benefits you’re entitled to under your coverage. Legal representation can make sure insurers are following state laws and honoring the policy coverage requirements.
Are there Time Limits for Filing a Hail Damage Claim?
Yes, most insurance policies have a time frame when you must file a property damage claim. This period can vary by insurer and policy, so it’s important to contact your insurance company promptly after a hail storm to ensure you meet any deadlines and avoid potential issues with your claim.
If the hail damage occurred during a hurricane, Florida Statutes § 627.70132 states that you typically have one year to file a property insurance claim under certain situations. There are some scenarios which could extend this time limit, and a lawyer can advise on these exceptions and if they apply to you.
Consider Contacting GED Lawyers After a Hail Storm
At GED Lawyers, we understand how overwhelming hail storm property damage claims can be. With decades of experience since 1995, our team is here to guide you through the complexities of insurance policies, ensuring you understand your coverage and know exactly what steps to take. We work tirelessly to ensure all hail damage is properly assessed and that your claim is handled fairly.
Our proven track record of holding insurance companies accountable speaks for itself. Plus, with our no-win, no-fee policy, you can access expert legal representation without financial risk. Let us handle the details so you can focus on rebuilding and restoring your life. Reach out to GED Lawyers today and experience the peace of mind that comes with having a trusted team by your side.
