subject: Find The Best Help With Your Hail Damage Claim [print this page] Hail Damage - In this world, we continuously face unexpected moments. There may come a time when you need to file an insurance claim for hail damage or for property damage due to circumstances beyond your control. We pay for insurance coverage and expect them to be there when we need them. Unfortunately, there are cases when insurance companies may not want to pay what is owed on claims.
Familiarize yourself with your insurance policies. You should always be aware of exactly what is or is not covered by your insurance. Read you policy carefully before signing and ask questions if needed. Some companies may require different policies for different damage or to different property. For example, you may need a separate policy for a disaster such as a flood.
Always keep your policy in a safe place. This will insure that you can have access to it in the event it's needed. When filing a claim you will need your policy number and contact information to report the claim to the carrier. It will also enable you to have a copy of your policy in case your company tries to deny your claim.
OK, back to hail damage issues. If the company tries to low-ball your claim unfairly - there are resources to fight their decision. Many times your roofer will advise you need a replacement of the roof and the carrier is only planning to provide a minimum repair. You may need help to obtain what you deserve from an independent appraiser. If the company says they will not pay then your first step is usually to find out their reason. If you have a legitimate claim and it is covered under your policy then you can use the Appraisal Provision in your policy to secure the replacement cost that is rightfully yours.
In the event of any disaster that you have covered under insurance, you will first want to call the company that holds your policy. In some cases claims are settled quickly and easily. It fact, many people find they have to fight the company to obtain the amount their contractor needs to complete the repairs. The more proof you have the better. Take pictures yourself or have your roofer take photos in case they are needed to help prove your damages.
The insurance company will not give you the new value of roof upfront. What they will give is the estimated value at the time of loss and apply depreciation. The depreciated amount will depend on the cost of the roof new and how old the original roof is. Receipts can help if you have them to determine age.
You pay premiums and expect to be reimbursed if you suffer from a hail damage claim. If the company owes you money then you should fight for it. Most cases can be settled out of court with the Appraisal Process. Find out your rights today.
