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Denied or Partial Payments on Hail Claims for Your Roofing in Colorado Springs


May 24, 2017

A hail storm can be a stressful event. Not only is your home or other property damaged, but now you must go out of your way to make sure it is fixed. During this process, you work with your insurance company to have your damage fixed. In some cases, insurance will not cover your full claim. Then what? Get an overview on hail and insurance, tips on submitting your claim and learn about denied or partial payments.

Hail Insurance Overview

As a homeowner, it is important for you to know what types of storm damage is covered by your homeowner’s insurance. Particularly, you can ask to see what hail damage coverage is. You don’t want to wait until it’s too late, so be sure to reach out to your insurance agent as soon as possible if you don’t know. Upon having a damaging hail storm, you will submit a claim to your insurance agent. From there, you have a deductible. The deductible is the amount that you, the homeowner, must pay before insurance will pay for the remainder of a claim. For some it is $500. For others, it could be $2,500. Therefore, it is important for you to be aware of how much your deducible is before a hail storm hits.
 

Submitting Your Claim

 Once a hail storm is over and it is safe to walk outside, you will need to inspect your home for damage. Be sure to check the roof, gutters, siding and any of your property that was exposed to the storm. From there, any damage you find you will want to be sure to document. Take a camera or smartphone to get pictures of the destruction. Once you have finished your overview of your property, you will want to put in a claim with your insurance company. From there, they will send out an adjuster to assess the damage. The adjuster will look at your damage, review your policy and then work with the insurance company to finalize an amount that will be covered once you pay your deductible. Depending on the situation, you will be issued money that you can use with a local roofer to pay for the repairs. For more tips on filing an insurance claim, read Nasdaq’s “Tips for Filing an Insurance Claim After a Hail Storm.”
 

Denied or Partial Payments

Depending on what the adjuster finds when it comes to the damage from the storm, they may or may not cover all the damage. If your insurance company comes back that they will only partially cover damage, or will not cover any of it, that isn’t the be-all, end-all. You can contact your agent to discuss the situation. They may be able to have another adjuster come out for a second opinion. In some cases, depending on the age of your roof, the adjuster may have found things that could have been damaged prior to the storm. You can also work with a roofer to help get assistance when it comes to submitting your claim and dealing with the insurance company.