Residential Hail Loss

Residential Property Hail Loss Claims

Hail can cause extensive damage to a range of residential structures, including single-family homes, townhouses, and condominiums. Insurance companies can delay the resolution of legitimate hail damage claims, leading to further damage to your home and financial stress. Timely resolution of your claim is critical for the preservation of your property.

Recovering After Hail Damaged Your Residential Property

Homeowners can experience a number of challenges after submitting a hail damage claim, including:

1. Excessive Depreciation: The application of excessive depreciation, where the insurance company claims your damaged roof was in disrepair.

2. Denied Claims: Denials based on policy exclusions such as wear and tear, poor maintenance, faulty construction, and manufacturing defects.

3. Delayed Response from Insurance Company: The insurance company may take an extended period of time to respond to your claim, leading to additional damage to your property and financial losses.

4. Disputed Claims: The insurance company may dispute or deny your claim, alleging that the damage is not covered under the policy or that the damage is not as severe as claimed.

5. Lowball Settlement Offer: The insurance company may offer a settlement amount that is lower than what is needed to repair the damage, putting additional financial strain on the homeowner.

6. Unfair Claim Handling: The insurance company may use unfair or unethical tactics, such as shifting blame for the damage or pressuring the homeowner into accepting a low settlement. Misapplication of co-insurance penalties, accusations that your building did not meet specified code requirements, and other unfounded excuses.

7. Unfamiliarity with Insurance Policies: Homeowners may not fully understand the terms and conditions of their insurance policy, leading to misunderstandings and disputes with the insurance company.

8. Difficulty Navigating the Claims Process: The claims process can be complex and time-consuming, causing additional stress and frustration for the homeowner.

9. Mistakes, Omissions, or Errors: Inexperienced, incompetent, overworked, or dishonest adjusters who fail to fully evaluate the damage. Dishonest, biased, or incorrect engineering reports and opinions from the insurance company’s hand-selected consultants, roofers, contractors, and other experts.

The insurance sector is tightly controlled by regulations and the law is straightforward. Insurance companies are expected to provide a reasonable explanation for any denial or delay of payment if the policy clearly covers damage caused by weather-related incidents. If your residential roof hail damage claim has been rejected, contested, or delayed for unjustifiable reasons, Faber Adjusting, a Public Insurance Adjuster, can help you secure the compensation you deserve.

Free Consultation and Contingency Fee Basis

If your insurance company has failed to properly address your hail damage to roof claim, let Faber Adjusting help. Our team has a history of successfully advocating for policyholders against insurance companies acting in bad faith. Contact us today for a free consultation, and rest assured that our services are provided on a contingency fee basis, meaning you pay nothing unless we secure a recovery for your claim.

What harm can hail inflict on my home?

Hailstorms can strike without warning and cause extensive damage to your home. Despite its small size, hail can carry powerful kinetic energy that can result in significant property damage.

Top ten types of hail damage a homeowner may experience:

1. Roof damage, such as cracks, holes, punctures, or missing shingles.

2. Window damage, including shattered or cracked glass.

3. External building structure damage, such as dented siding or gutters.

4. Air conditioning unit damage, including bent fins or shattered condenser coils.

5. Skylight damage, including cracks or punctures.

6. Vehicular damage, including dented cars or trucks parked on the property.

7. Electrical damage, such as shorted-out electrical systems or damaged electrical panels.

8. Mechanical damage, such as damaged pipes, boilers, or HVAC systems.

9. Damaged exterior lighting, including broken or damaged light fixtures.

10. Damaged landscaping, including broken or damaged trees, bushes, or garden beds.

It is important for a policyholder to promptly contact Faber Adjusting to handle their hail claim because insurance companies are expected to provide a reasonable explanation for any denial or delay of payment if the policy clearly covers damage caused by weather-related incidents such as hail. However, insurance companies may not always act in the policyholder's best interest and may use tactics such as denying claims, lowball settlement offers, and unfair claim handling. A public insurance adjuster like Faber Adjusting can assist the policyholder in navigating the complex claims process, ensuring that all damage is properly documented and accounted for, and advocating for the policyholder against insurance companies acting in bad faith. Additionally, Faber Adjusting's services are provided on a contingency fee basis, meaning the policyholder pays nothing unless a recovery is secured for their claim.