Hail causes a significant amount of roof damage across the country each year. It also causes widespread interior damages due to the roofs inability to prevent water from penetrating into the structure. Contrasted with the central part of the United States where hail can be as large as a grapefruit, hail in Florida typically ranges from the size of a dime to that of a golf ball. While hail damage in Florida may not be as pronounced as hail damage in the Midwest, it is nonetheless often severe enough that a full roof replacement is warranted.
Issues commonly raised by insurance companies with hail claims include (i) identifying the date of loss, (ii) determining if hail caused damage to the roof versus other causes of damage not covered under the policy, and (iii) repair vs. replacement of the roof.
If you do file a hail claim, your insurer will select the roofing consultant or professional engineering firm to conduct the investigation without any input from you. History has shown that these consultants and engineering firms generate a considerable amount of revenue every year from the insurance industry by performing these inspections. So, if your roof was damaged by hail but your insurer tells you that there is minimal roof damage and/or that the damages are not covered under the policy, it is highly advisable to get a second opinion from an independent, qualified, and unbiased roof consultant or professional engineer who has experience conducting forensic roof investigations.
Contact our Hail Damage Attorneys Today
Kubiak Law Group understands the law, your insurance policy language, and the rules and regulations as it pertains to hailstorm claims; and has the experience, knowledge, and resources required to fight insurance companies to protect your rights.
We offer free consultations, same day return of calls and emails, and 24/7/365 availability. Contact us today to schedule a free, no-obligation consultation and learn how we can help with your insurance claim.