Hail Damage

Hail causes a significant amount of roof damage across the country each year as well as widespread interior damages due to the roofs inability to prevent water from penetrating into the structure. Hailstorms in the Midwest, Texas, Colorado, and the central part of the United States typically produce hail that ranges in size from 1/4″ – 1/2″ on the low end, to 2-3″ on the high end.  However, some storms have produced hail that measured up to an astounding 7″.  In Florida, hail typically ranges in size from .25″ to golf ball sized; which is approximately 1.75″.  

Issues commonly raised by insurance companies with hail claims include (i) identifying the exact date of loss, (ii) determining if the roof damage was caused by hail versus if it was caused by other factors not covered under the policy, and (iii) repair vs. replacement of the roof.  

Once you notify your insurance company of your claim, they will assign an adjuster to conduct a site inspection and make an initial determination if there is hail damage.  After that occurs, often times they will retain a roofing consultant or professional engineering firm to conduct further investigation into the hail damage claim.  It is important to note that virtually every insurance policy requires the insurance company to adjust losses with you, as opposed to adjusting the claim against your interest(s).  Take note if your insurer fails to ask for your input as to who should conduct the roof inspection.  An unfortunate reality in today’s insurance claim climate is that there is a high probability that the adjuster handling your file is required to select a roofing consultant or engineering firm off a list that has already been pre-approved by your insurance company.       

Another thing to be aware of is that the roofing consultants and engineering firms on these pre-approved vendor lists more likely than not generate a significant amount of their 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 hail damage investigations.  Time is of the essence when it comes to hail damage claims.         

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.