Hail Damage Insurance Claims

    Insurance Claims Kansas City Insurance Claims Kansas City

    Seemingly, not a year goes by that we witness communities in tornado alley being devastated by these awesome forces of nature. Severe weather events such as super cell thunderstorms and the destructive tornadoes that follow remind us of Mother Nature’s power and fury. Communities damaged by these storms suffer significant hail damage to homes, businesses, and government property such as schools and other municipal buildings.

    Many adjusters and the insurance companies they work for may have different adjusting standards outlined in their respective claim department manuals. This is the easy part Filing an insurance claim and successfully recovering your financial loss from hail damage can at times be challenging given the issues involved with insurance policy coverage’s and the discretionary nature of the insurance adjusting process. If the hailstorm was severe enough, visible damages should be obvious and undisputed by the field adjuster inspecting the damages and thus coverage of the loss should be confirmed early on in the process.

    Often, the assigned insurance adjuster’s training, experience and knowledge of this type of adjustment process will play a very important part in how your claim is settled. In many claims however, there may be other issues you will face such as the scope of damages and the dollar amount your insurance adjuster says you are going to get paid given the insurance policy terms and conditions.

    While auguring over the scope of loss and price of the repair may seem like a good thing, (at least the insurance company acknowledges that you have a covered loss) there are many other cases where the insurance company will dispute the damages were caused by hail, claiming previous wear and tear. A common issue that arises is if you will be paid to replace the complete roof or if a patch job will be offered as a partial repair. This is where you may need the professional help of a public adjuster that will represent your best interests Is it fair and reasonable the next question is if the insurance adjuster will apply deprecation to your roof and if so?

    Remember knowledge and information is power. A fair and honest settlement for your covered roof damages is not only important to you but also should be in the best interest of your insurance company as well You need to have the damages documented and the adjustment process completed professionally to get you indemnified for your loss. Sprayed polyurethane foam application, whether you a have hail damage to a modified bitumen roof, a build up roof, metal roof, cedar shake roof or any number of tile roofs, chances are you have recoverable damages as a result of a sever hail event in your community. Do you know the questions to ask as well as what you are entitled to in an insurance loss adjusting process from a hail event? Your roof is one the most important building components of your property.

    Do not be victimized in the adjustment and repair replacement process, it just makes good sense to have a team of professionals working on your side to get you covered for your hailstorm loss.

    Last modified on Friday, 02 March 2012 11:26
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