Hail is a common event in most areas of the United States, and hailstorms can be costly loss events for homeowners, business owners, and other policyholders. While hail damage isn’t usually as dramatic as losses from tornados and hurricanes, the costs can quickly add up. Take a look at the costs of some of the most common types of hail damage:
- The average costs of repairing a hail-damaged roof can run to a few hundred or a few thousand dollars for homeowners, depending on the damage and the roofing material. The cost of fully replacing a home’s roof averages about $6,000. For businesses, governmental policyholders, farms, and other kinds of properties, the costs can add up to significantly more due to the number of structures affected, the type of roofing, the size, etc.
- Hail often affects windows, which can run from $450 to $1,000 or more each for replacement, depending on the type of window.
- The costs of hail damage to a car can add up fast, averaging out to about $2,500. This can be costly enough for individuals, but it can be overwhelming for businesses and organizations that operate fleets of vehicles or must pay for damage to heavier work vehicles and equipment.
While most policyholders rely on the protection of their insurance coverage, the truth is that hail damage insurance claims are often difficult to resolve fairly, and many policyholders end up settling for far less than the true cost of their losses. Potential problems with the insurance company commonly include:
- Long delays in resolving a hail insurance claim.
- Only paying for surface damage while ignoring deeper damage that could cause problems over time.
- Ignoring damage to HVAC systems, windows, siding, and other non-roof damage.
- Denying that hail caused your damage.
- Lack of communication from the insurance company.
- Underpayments based on inaccurate or rushed estimates.
- Coverage surprises and disputes over policy language.
You can learn more about hailstorms—and the potential insurance issues that follow—by visiting our quick guide to hailstorms.
Fortunately, although many policyholders are unaware that they have rights after a denial or underpayment, our attorneys have many years of experience helping people and companies maximize and resolve their insurance claims and fight unfair treatment. If you have questions, you can give us a call at 1-888-614-7730.
Understanding Time Limits for Hail Damage Insurance Claims
How long does a policyholder have to file an insurance claim for hail damage? Although it’s a common question, it can be surprisingly difficult to answer. Find out more about the major factors that can affect time limits for filing a property damage claim.
When to Get Help With an Insurance Claim for Hail Damage
Before you settle, you still have legal options. After you accept a settlement, it is almost impossible to reopen the claim or negotiate further. In some cases, you may not need an attorney to help you settle a hail insurance claim fairly. If you feel like the insurance company is being communicative and polite, then you may be able to continue to negotiate for fair payment on your own. However, you should reach out for legal help when:
- A claim is unfairly denied.
- There are mysterious delays in resolving your claim.
- You “hit a wall” in your negotiations with the insurance company.
- You can’t agree with the insurance company on what settlement should be.
- You feel you aren’t being treated fairly or your rights have been violated.
The attorneys with the Voss Law Firm have many years of experience fighting denied hail claims and other difficult cases on behalf policyholders across the nation, and we are proud of our history of success. If you need help, or if you have questions about a hail insurance claim that has been denied, delayed, or underpaid, don’t hesitate to reach out to us at 1-888-614-7730.