Hail Damage Claim FYIs

Hail damage is among the leading causes of property damage claims in the United States, with one out of every thirty-five homes suffering some form of hail damage each year.

A Public Adjuster can help you navigate the ins and outs of the hail damage claim process, but it still helps to be informed on the different types of hail damage and how they can influence your claim or property value. 

The Five Most Common Types of Hail Damage

Roof Damage: Hailstones are known to fracture or even puncture shingles, potentially compromising the integrity of your roof.

Siding and Exterior Damage: Hail can easily crack or dent your property’s vinyl or aluminum siding, further exposing your home to weather-related issues.

Window and Skylight Damage: Large hailstones have been known to shatter windows and skylights during hailstorms. 

Vehicle Damage: Leaving your vehicles exposed during a hailstorm can easily lead to costly repairs.

Landscape and Outdoor Property Damage: Anything left outdoors during a hailstorm is susceptible to hail damage.

Filing An Insurance Claim For Hail Damage

Filing a hail damage claim can be a complicated process. Here are a few things to keep in mind when preparing your hail claim:

• Does your area require additional endorsements?
• It’s not uncommon for property owners in high-risk areas to be expected to pay a hail damage deductible, usually between one to five percent of the total damage, before their insurance will cover the rest. 
• If you live in an area that’s at a high risk for hail damage, your insurance might require you to pay a separate hail deductible or even require an additional hail endorsement entirely.
• Was your interior damage caused by hail or negligence?
• Interior hail damage is only covered if the opening that allowed hail to enter your property was caused by the hailstorm. If your window was left open during a hailstorm, the resulting damage to your property’s interior would not be covered by insurance.

Tiger Adjusters® Can Help Maximize Your Hail Damage Claim Settlement.

Public Adjusters are trusted advocates who can help guide you through the claims process and protect your best interests. They are licensed insurance professionals who work on behalf of policyholders to recover a fair settlement offer from their insurance carriers. As a matter of fact, according to an Office of Program Policy Analysis & Government Accountability (OPPAGA) study from 2010, using a Public Adjuster increases the average insurance claim by 747%.

Tiger Adjusters® is the largest Public Adjusting franchise in the United States and has a reputation for knocking it out of the park for policyholders. Find an office near you. 

“A Public Adjuster can handle all aspects of your claim, from documentation to negotiation. We deal with the complexities of the claim process so you don’t have to. Our sole aim is to protect your interests and add value to your claim.” —Brendan Steinbrecher, Tiger Adjusters® Philadelphia