It's no secret that Texas is known for its severe weather. From thunderstorms to hurricanes, hail is a common occurrence. If you're a homeowner in Texas, it's important to be prepared for when hail damage occurs and know how to make a home insurance claim. Dealing with insurance can be stressful, no matter the size of the claim you are making. Our legal experts at The Voss Law Firm wanted to use this opportunity to discuss what steps to take when filing a Texas hail insurance claim, to make sure you recieve the full amount the insurance company owes you. Read on for tips on what to do if your home is damaged by hail and best practices when filing a claim with your insurance company.
When Should I File a Hail Damage Claim?
Hail damage can be deceptive. Insurance companies receive thousands of hail damage claims each year, and property owners are often caught off guard by the true extent of the damage. On the surface, hail damage may seem minor - a few broken shingles or dents in the siding. However, this type of damage can lead to serious long-term issues. The problem with hail is that it can create weak spots in your roof or siding. These weak spots may not be immediately apparent, but over time they can cause leaks or other structural damage. If you suspect that your home has been damaged by hail, it's important to contact a professional as soon as possible. An experienced contractor will be able to assess the damage and determine if your insurance company needs to be notified.
Homeowners insurance policies typically have a time limit for filing a hail damage claim. If you're unsure about the extent of the damage, it's best to report it to your insurance company as soon as possible. Even if your insurance company claims the damage is cosmetic, you'll have documentation and evidence if those issues lead to further damage later on. Don't wait until it's too late - call a contractor today if you think your home has been damaged by hail.
Reasons Insurance May Try to Deny Your Claim
As a homeowner, you purchase insurance to financially protect yourself from property damage. When hailstorms cause damage to your home or roof, you file a insurance claim and the insurance company sends out an insurance adjuster. The insurance adjuster inspects the damage and determines how much the insurance company will pay for repairs. If the insurance adjuster finds that the damage is only cosmetic, your policy likely will not cover repair costs. And even if the damage is serious and obviously covered, the insurance company may still underestimate the true repair costs to reduce what they have to pay out.
Homeowners insurance is designed to protect policyholders from financial loss in the event their property is damaged. However, insurance companies are businesses, and their primary goal is to make money. One way they do this is by aggressively refusing to cover hail damage insurance claims. While hail is a common type of weather-related property damage, insurance companies often find ways to avoid paying out on claims. For instance, they may claim that the damage was caused by something other than hail, or that the policyholder failed to take proper precautions to protect their property. As a result, homeowners who have been hit by hail can find themselves facing significant out-of-pocket costs for repairs. Insurance companies know this, and it gives them an incentive to deny claims. Policyholders who find themselves in this situation should not give up; instead, they should consult with an experienced insurance attorney who can help them get the compensation they deserve.
Steps to Take Before Filing Hail Damage Claim
As a homeowner, you know that insurance is important. It's there to help protect your home and possessions in the event of a covered loss. But what happens when you have a claim? Your insurance company will use all the tools at their disposal to keep from paying you for your damages' true value. So, while you're preparing to file a claim, use the following steps to give your claim the best chance possible for success:
1. Get an estimate from a reputable contractor. This will help you negotiate with your insurance company.
2. Take photos or video of the damage. Make sure to date and time stamp them.
3. Keep receipts for any repairs or replacement items you purchase.
4. Contact your insurance agent as soon as possible after the damage occurs.
5. Be prepared to negotiate. Remember, the insurance company's goal is to pay out as little as possible on your claim.
By following these steps, you can increase your chances of receiving the full amount of compensation you deserve. No one ever wants to file an insurance claim, but when something goes wrong, it’s important to have the right support. Experienced insurance claim attorneys know how policies work and can take the weight off your shoulders so you can focus on recovering. They can communicate with your insurance company, organize and gather data, and even help find contractors to assist during the repair process. Contact us today for a FREE consultation and let us deal with the insurancy company to resolve your claim!