What steps should I take if my home experiences hail damage?
It is not uncommon for homeowners in Texas to experience hail damage to their property. Unlike hurricanes, hailstorms can occur quickly and damage may be localized. These storms can cause damage to roofs, vehicles and other property. In order for property owners to receive the maximum amount of compensation from their insurance company, it is important that they take a few simple steps.
First, thoroughly document any damage sustained to your property. It is helpful to take photographs and video of the damage. Do this as soon as possible. With home roofs in particular you want to get images of damaged or punctured shingles.
Also look for other property damage like damage to air conditioning units, windows and screens, garages and detached buildings. It is also wise to take written notes of the date of the storm and any other pertinent information. All this information will be useful in proving your insurance claim.
Even if you take these steps you may find that your insurance company denies your claim saying that the storm didn’t happen or the hail didn’t damage your property. Your insurance company may also delay payment or only partially compensate you for the damage you experienced. It can be extremely frustrating for homeowners who have been paying for insurance to find the insurance company does not hold up its end of the bargain.
If you face difficulties with your insurance company an attorney may be able to assist. Experienced insurance claim attorneys can work with experts like engineers, roof experts and meteorologists to prove the property damage you sustained. Lawyers can also advocate on your behalf to help ensure that you receive the compensation you deserve.