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Hail Damage Claims

While Mississippi boasts a fairly even weather pattern throughout the year which includes temperate winters and long, hot summers, the state is prone to storm events that can include large and damaging hail events.

According to weather experts, it is climate change and the location of Mississippi that gives the state the ability to produce hail storms with record-sized hail ranging from 1 inch up to 5 inches in diameter. Stronger storms and more frequent hail is the result of unusually strong subtropical jet streams colliding with a colder air mass coming down from the Great Lakes. This type of weather pattern, in addition to plenty of moisture, has been responsible for an increase in the giant hail that has pelted Mississippi.

If your home or business property has experienced damage due to hail, it is important to know when and how to file a hail damage claim with your insurance company. Also, consider that a hail storm can damage your vehicles that are parked outdoors. Therefore, you must consider filing an insurance claim with your auto insurer to pay for damages to covered vehicles.

What to Expect After a Hailstorm

Hail storms typically feature 2 weather conditions, powerful winds, and large, frozen precipitation. It is this wind-driven ice that is responsible for damage to homes, vegetation, vehicles, and businesses. When filing a hail damage claim, look for the following signs of damage after a hailstorm.

  • Damage to AC Units, and outdoor antennas. etc.
  • Broken skylights and solar panels,
  • Dents in aluminum siding
  • Cracks in vinyl siding
  • Impact damage to roof materials
  • Broken windows, awnings, and screens
  • Dented gutters and downspouts
  • Damage to vehicles, sheds, decks, and patio covers

Depending on where you live in Mississippi and your land usage, the damages that may be added to a hail damage claim may include damage to landscaping, orchards, crops, or food/milk-producing animals. It is advised to have a hail storm emergency plan, so your family knows where to gather in the interior of the home and what property should be brought indoors when the threat of hail has been announced by your local weather agency.

What to Do After A Hail Storm

After a hailstorm, you may need to organize cleaning operations to remove fallen limbs and other debris from your landscape. Any structural damage to trees should be noted, in case the tree or hanging limbs may need to be removed for safety. Next, you will want to take an assessment of the damage done to your home’s structure, garage, pool, deck, gazebo, and other structures.

  • Carefully inspect the roofline and gutter for damage. Damage to the home’s roof may not be visible, so look for water leaking into the home’s interior, or call a roofing specialist to perform a roof inspection for damage to shingles, gutters, and upper elements of the property like the soffit and/or fascia.
  • Any damage to the homes’ HVAC system, roof-mounted units, or downed power lines or power outages should be immediately reported to your utility company. Finally, cover any openings caused by the hail storm with a plastic tarp. This includes broken window, doors, roof coverings, etc.
  • Relocate equipment and furnishings in these areas to a dry location on the property. Finally, clear your landscape of any debris and inspect the property’s drain pipes, catch basins, and yard drains for any blockages.

Contact a hail damage claim law firm in Mississippi like those at The Morgan Law Group, Our experts equip you with proven legal documentation to make sure your hail damage claim is dealt with swiftly by your insurance company and their adjusters. You have the right to full compensation for any damage to property, vehicles, or landscape caused by a hail storm. Contact us today for a free consultation and get the help you need to protect your family and your assets.