Hail Damage Insurance Claims Can be Difficult
Following a major storm, a potentially serious, yet difficult-to-detect, type of property damage that can affect an apartment or condo complex is hail damage. Often following a hailstorm, property owners and on-site managers don’t even realize that their property has suffered hail damage. As a result a hail damage insurance claim may not be filed promptly.
It is prudent to investigate the potential for hail damage, soon after a hailstorm. Check to see if trees or flowers on the property are damaged, if cars parked in the open are dented, or if any of the buildings’ windows are cracked. Window and door screens, siding, and air conditioners should be closely inspected.
Hail is a form of solid precipitation which consists of balls or irregular lumps of ice, that are individually called hail stones. Hail stones on Earth consist mostly of water ice and measure between 5 and 150 millimeters in diameter, with the larger stones coming from severe thunderstorms. Wikipedia
Roofs normally sustain the most costly hail damage, yet hail damage to asphalt shingle roofs is often not immediately recognized. It may take up to three years after a hailstorm for a roof to leak. For flat roofs, unless the hail is quite large (baseball size or more), it may be even harder to detect hail damage until much later; which can have an impact on any hail damage insurance claim.
Insurance claims for hail damage, as do other types of insurance claims, require a prompt notice to the insurance company; so a proactive approach for identifying damage early on is critical if you intend to file a hail damage claim.
A built-up roof requires that the gravel be brushed back and a core sample be removed and sent to forensic lab for analysis. It is usually easier to see hail damage on a modified bitumen roof, as the hail usually leaves a star shape or circles around the point of impact. Rubber roofs, or EPDM roofs, as they are commonly called, are unique in the way they are affected by hail. Although the membrane may not have been cut, the Styrofoam insulation under the rubber may have been damaged and unwanted ponding could result.
It is critical that the scope of damage be ascertained early on in order to support a successful a hail damage claim.
Adjusters International assists in How to File a Hail Damage Claim for a Roof. We also assist in preparing, negotiating and settling your Hail Damage claims. How do I get what I'm entitled to from my Hail Damage claim? Call Adjusters International at 888.382.2468!
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