Having a hail storm in Florida is not as common as afternoon thunderstorms or tropical events, but they do happen.
A Florida hail storm can come without warning and can lead to excessive damage to your home. Roofs can be damaged, windows broken, and siding can be ruined when a hail storm happens.
The extent of damage will depend on the size of the hail and the amount of wind and rain associated with the storm. After any hail storm, Florida residents must quickly access the damage and prepare to make a hail damage insurance claim.
Is Hail Damage Covered By Insurance?
If you are wondering “does insurance cover hail damage,” the answer is yes. However, just like any other storm damage claim you file, be prepared to be met with resistance from the insurance company. Homeowners insurance companies are very well known for denying, delaying, or diminishing claims.
It will most likely be necessary to have legal representation when you file a claim. This is the best way to ensure that you receive all of the money you are entitled to under the terms of your policy, and receive that money in a timely manner.
How Much Does Insurance Pay For Hail Damage On Roof?
Hail damage insurance in Florida is a standard part of your homeowner’s policy. The type of insurance you have and your policy terms and conditions will dictate what is paid out for your damaged roof. However, it is very important that you have legal representation when you are filing a hail damage claim. Insurers often blame the damage to your roof as a result of age, poor maintenance, or failing to take care of thereof right after the storm happened. Protect yourself by speaking with an attorney.
Do You Have To Pay Deductible For Hail Damage?
The hail damage roof insurance policy will most likely have a deductible. Depending on the policy it may be the standard deductible that you pay for any claim, or if you have a separate hail damage rider on your policy, it may have a separate amount for a deductible.
How Long After A Hailstorm Can I File A Claim?
If you are wondering how long after hail damage can you file a claim, the answer will depend on the terms of your policy. However, you are encouraged to file a claim immediately after the storm.
Delaying your claim allows the insurance company to say that the damage came from something else. They will also state that during the time between the hailstorm and when you made the claim that you allowed the roof or other damages to worsen.
If you want to know the best answer to how long to claim hail damage on the roof? The answer is, if possible the very next day.
Protect Your Hail Damage Claim With These Tips
- After a storm happens, start taking pictures of the damage. If you see hail on the ground, take pictures of that as well. You want to be able to show the damage when it happened. Of course, make sure it is safe to take the pictures. If you have to wait until the next day to ensure safety, that is fine.
- Make any temporary repairs to protect your property. Cover broken windows, tarp the roof. Make sure to take pictures of that as well. This proves that you are not allowing further damage to occur.
- Call your attorney to start the claim process with your insurance company. You want to protect yourself right from the start.
- Contact repair services for estimates of the damage and a cost to repair or replace the damaged items. The insurance company will send out their own adjuster, but having these quotes will give you a better idea of what is really wrong and the trust costs of the repairs.
Hail in Florida can happen at any time. It does not have to be hurricane season for these severe thunderstorms to come through. Make sure you are prepared for any hail damage by knowing what homeowners coverage you have on this type of damage and taking pictures as soon as possible after the damage occurs.
Florida Property Damage Attorneys
If you would like help with a Florida property damage insurance claim, the attorneys at Landau Law are here to help. Contact us today for a free and confidential consultation.
Property Damage Blog Posts
How Do Home Insurance Companies Determine Pre-existing Damage?
Home insurance companies employ various methods to assess pre-existing damage when evaluating property damage claims. This process is crucial for insurers to determine the validity and extent of coverage for property damage. Insurance adjusters conduct thorough visual...
Signs Your Insurance Adjuster Estimate Is Too Low
Insurance claims can be complex, and receiving an adjuster's estimate that seems too low is a common frustration for policyholders. Recognizing the signs of an undervalued estimate is crucial to ensure fair compensation for property damage or losses. Key indicators of...
Why Does Florida Have So Many Hurricanes?
Florida is renowned for its beautiful beaches, vibrant culture, and, unfortunately, its frequent encounters with hurricanes. The state's unique geographical location and climate conditions make it particularly vulnerable to these powerful storms. Florida's position on...
What To Do If You’re Denied Hurricane Damage Claim For Home
Hurricane damage can be devastating for Florida homeowners, leaving them in a state of distress and financial uncertainty. When insurance claims for such damage are denied, it adds another layer of stress to an already difficult situation. Facing a denied claim...
Guide To Documenting Damages For A Florida Flood Claim
Proper documentation of flood damage is crucial for a successful insurance claim in Florida. When floodwaters recede, homeowners face the daunting task of assessing and recording the extent of their losses. Thorough documentation, including photos, videos, and...
What To Do If You Disagree With A Home Insurance Adjuster
Dealing with a home insurance claim can be stressful, especially when you disagree with the adjuster's assessment. Many homeowners find themselves in this frustrating situation after experiencing property damage or loss. If you disagree with the insurance adjuster's...
How To Sue Your Neighbor for Property Damage in Florida
Property damage disputes between neighbors can quickly escalate, turning once-friendly relationships sour. If you're facing significant property damage caused by a neighbor in Florida, legal action may be necessary to protect your interests and recover damages. In...
Common Reasons Your Florida Hurricane Damage Insurance Claim May Be Denied
Florida homeowners face a daunting challenge when their hurricane damage insurance claims are denied. Understanding the common reasons for these denials can help you navigate the claims process more effectively. Insurance companies may deny claims due to inadequate...