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.
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