Did a Denver Storm Hit Your Home Hard? What to Do to File Your Claim

Denver is no stranger to severe weather, with storms capable of delivering a powerful punch to homes and properties. From hail and heavy snowfall to strong winds and torrential rains. These weather events are most common in the spring and summer months but can occur at any time of the year, understanding how to navigate the aftermath is crucial for homeowners. – In this article, we guide you through the process of filing a storm damage claim in Denver, ensuring you are well-prepared to handle whatever Mother Nature throws your way with the help of our Denver storm damage lawyers.

Common Types of Storm Damage

The impact on homes of storms in Denver can range from superficial to severe, affecting not just the aesthetic of a property but its structural integrity as well.

1. Roof Damage – Roofs often bear the brunt of storm damage. Hail can create dents or cracks in roofing materials, leading to leaks and water damage inside the home. High winds can rip off shingles or entire sections of the roof, exposing the interior to the elements. In severe cases, heavy snowfall can cause roofs to collapse under the weight.
2. Water Damage – Storms bring heavy rainfall that can overwhelm drainage systems, leading to flooding. Water can seep into basements, damage foundations, ruin flooring, and encourage the growth of mold and mildew.
3. Structural Damage – The structural integrity of a home can be compromised by the powerful forces of a storm. Strong winds can cause trees or branches to fall on homes, damaging walls, breaking windows, and even compromising the home’s framework.
4. Siding and Exterior Damage – Siding is vulnerable to Colorado storm damage, especially from hail and wind-blown debris. Hail can dent or crack vinyl siding, while high winds can rip pieces off, exposing the underlying structure. Additionally, storms can damage exterior features like gutters and downspouts.
5. Windows and Doors – Windows and doors can be damaged by flying debris, hail, and pressure changes during a storm. Broken windows expose the home to water damage and can be a security risk.

Understanding these common types of Colorado storm damage is crucial for homeowners in Denver. By recognizing the potential risks, homeowners can better prepare for storms, take steps to mitigate damage, and navigate the storm damage insurance claims process more effectively if damage occurs.

Is Storm Damage Covered in Your Homeowner Insurance in Denver?

Most homeowner insurance policies in Denver cover damages caused by storms, including wind, hail, and lightning strikes. However, it’s important to review your policy to understand the specifics, as coverage limits and deductibles can vary.

1. Wind, Hail, and Lightning – These are the most common types of storm damage covered under standard homeowner insurance policies in Denver. This includes damage to the structure of your home, such as the roof, windows, and siding, caused by high winds, hail impacts, and lightning strikes.
2. Water Damage – While rain damage directly resulting from a roof punctured by hail or wind may be covered, it is critical to understand that flood damage – that is, water rising from the ground due to heavy rains or overflow of bodies of water – is not covered under standard policies. Homeowners would need to purchase separate flood insurance, typically offered through the National Flood Insurance Program (NFIP).

As your home and the surrounding environment change over time, so do your Colorado home insurance needs. Regularly reviewing your policy ensures that you have adequate coverage.

What to Do for a Colorado Storm Damage Claim

Filing a storm damage claim in Denver involves several steps:

1. Immediate Documentation – The immediate aftermath of a storm is a crucial period. As safety permits, take comprehensive photos and videos of all damages from various angles. This documentation should be thorough, capturing both the extent of the damage and any specific areas of concern. This step is foundational, as it provides undeniable evidence of the damage, which can be pivotal in the claims process.
2. Contact Your Insurance Company – Promptly notifying your insurer is essential. When you contact them, provide an initial overview of the damage. This notification sets the claims process in motion and is also an opportunity to clarify the next steps, including any immediate actions your insurer requires for temporary repairs or to prevent further damage.
3. Assessment by an Adjuster – An insurance adjuster’s visit follows the initial contact. This professional assessment aims to evaluate the extent of the damage firsthand. The adjuster will inspect your property, noting all damages to compile a comprehensive report that will inform your claim’s valuation. It is beneficial to accompany the adjuster during this visit to ensure all damaged areas are noted.
4. Review Your Settlement Offer – After the adjuster’s report, your insurance company will present a settlement offer. This is a critical juncture where you should meticulously review the proposed settlement to ensure it comprehensively covers the damages. If the settlement seems inadequate or overlooks certain damages, this is the time to raise concerns or dispute the offer with detailed evidence from your documentation.

How to Avoid Underpayment and Denial of Your Storm Damage Insurance Claim

To avoid underpayment or denial of your claim:

1. Keep Detailed Records – Documentation goes beyond initial damage photos. Keep a log of all communications with your insurance company, including emails, calls, and in-person discussions. Receipts for any immediate repairs, temporary accommodations, or other expenses incurred due to the storm damage should be meticulously saved. This record-keeping ensures a robust evidence base to support your claim.
2. Hire Professional Assessors – If there is a significant discrepancy between the adjuster’s assessment and your understanding of the damages, hiring an independent assessor can be a strategic move. An independent professional can offer a second opinion on the damages and the repair costs, providing leverage in negotiations with your insurance company.
3. Understand Your Policy – A deep understanding of your insurance policy is paramount. Familiarize yourself with the specifics of what is covered, the limits of coverage, and any deductibles that apply. This knowledge is crucial when reviewing the settlement offer, as it enables you to identify any discrepancies or underestimations in coverage. Being well-versed in your policy’s details empowers you to advocate effectively for full compensation.

Why Seek a Storm Damage Claim Lawyer in Colorado

If you are facing challenges with your insurance company, such as denied claims, underpayment, or delays, it is important to seek legal assistance from Denver storm damage lawyers.

The Morgan Law Group, experienced in handling storm damage claims in Denver, can provide the legal guidance you need to navigate the complexities of insurance claims. Our storm damage insurance claim lawyer in Colorado can help you understand your rights, negotiate with insurance companies, and ensure you receive fair compensation for your losses. Contact us today and schedule your free consultation.