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Hail Damage Claims

Hail damage may not be as common in Panama City, FL as it is in other parts of the country, but that doesn’t mean it doesn’t occur. It has been known to hail in Florida about three times every year. Unfortunately, even one hail event can lead to expensive repairs to your home.

As with any weather event, you can’t prevent it from occurring, but you can reduce the impact that the event has on your life through home insurance coverage. However, obtaining the necessary coverage and receiving fair compensation for that damage can be a challenge. An attorney can advise as to coverage for hail damage as well as how to get the most from your home insurance claim.

Hail Damage and Insurance Coverage in Panama City

Hail can be incredibly destructive, causing massive damage to your property. With the increase in powerful storms, there has been an increase in hail damage – even in areas that rarely see hail. It can create strikes and holes in your home’s exterior, which can lead to water and additional damage on the inside.

Though most home insurance policies offer coverage for hail damage, receiving compensation from your insurer can be a challenge, to say the least. Having an experienced insurance lawyer from The Morgan Law Group on your side can increase your chances of a successful hail damage claim.

Steps to Filing a Claim for Hail Damage

One of the most important steps you can take is to do a careful review of your home insurance policy, specifically regarding hail damage. With this knowledge, you can file your claim with more confidence and proceed with the following steps.

  1. Contact Your Insurer Immediately
    As soon as the damage occurs, make a call to your insurance company. Let them know that your home has sustained hail damage and you’ll be filing a claim.
  2. Document Any Damage
    Photograph and list any damage you notice to your siding, windows, roof, gutters, garage, and any other areas. Additionally, take a look inside your home in the attack or on the ceilings for water damage or other signs that you might not notice from the exterior.
  3. Make Any Necessary Repairs
    Hail often leads to damage that needs to be repaired immediately to prevent additional damage. For example, a hole that’s not covered in your roof can cause severe water damage inside your home. If you don’t make emergency repairs, your insurer might try not to pay for the damage that occurred after the storm. It’s best to make emergency repairs as soon as possible, keeping all receipts. Those expenses can then be added to your claim.
  4. File Your Hail Damage Claim
    You must file your official claim once the damage has been assessed and documented. Both insurers and many states have deadlines for filing a claim, so you must file your as soon as possible.

Why Work with a Panama City Insurance Attorney for Your Hail Damage Claims

Insurance companies don’t fight fair – especially when it comes to roof damage. It’s best to assemble a team of professionals instead of relying on the insurance company alone.

A private insurance adjuster can assess the damage and provide an accurate assessment of how much your insurance company is liable for according to your policy. As they are a private adjuster, you can expect a fair assessment.

It’s also wise to have an insurance claim lawyer on your team. Panama City insurance attorneys know the laws and how to ensure insurance companies take care of their responsibilities. They can work with you from the beginning, helping you gather the necessary documentation, filing claims, appealing denials, and ensuring you receive the compensation you deserve.

They can walk you through every step of the process, taking some of the burden from your shoulders and going to battle for you. Additionally, most do not receive compensation unless you do.

Hail damage claims can be tricky and challenging to win alone. Insurers will fight as hard as possible to not pay a settlement – or not pay fairly – if they are convinced the insured does not understand their rights or coverage. And this fight gets harder when multiple insured parties are filing claims after a storm.

Getting back to your life is hard enough after a storm. The last thing you need is to be denied compensation for damages after you have consistently paid your premiums. Don’t take any chances with your family’s future. Let our team help by fighting the battle on your behalf and maximizing your insurance compensation. Contact The Morgan Law Group to schedule a consultation with an experienced member of our team.