What is hail damage? Is it covered by my homeowner’s insurance policy?
During a thunderstorm, your home may get battered by hailstones. After the storm has passed and you undertake a tour of your property from the outside, you will note hail damage in the dents and cracks that appear on roofs, siding, gutters, and windows. Roofs are the most likely place which will show up damage from hail. Depending on the construction material used, the level of damage may differ, like wooden shingles will get distorted, whereas aluminum and copper will get dented. You need to conduct a brittle test to determine if the roof damage can be repaired or qualifies for a total roof replacement. Vinyl and aluminum siding may chip and crack, windows may not withstand the onslaught, and gutters will show cracks.
However, the good news is that a standard homeowner’s insurance policy includes hail damage to a roof as part of your protection coverage. Many reputed home insurance providers in Dr. Phillips can provide you with a comprehensive homeowner’s insurance policy for your cherished home.
Dr. Phillips is a quaint, peaceful suburb of Orlando with a population of approximately 10.000 residents. The community gets its name from Dr. Philip Phillips, a trailblazer in the citrus industry. Its lakeside estates, convenient location, and abundant entertainment opportunities combined with high safety rankings make it an attractive place to live. It is known for its gated communities and exemplary schools. So while it’s just a stone’s throw away from the bright lights of Orlando’s entertainment district, it offers unsurpassed calm and solitude.
When you’re scouting around for an insurance provider, make it a point to ask questions. You will need to understand the perils covered by the home insurance policy, deductibles, and exclusions. A deductible is your contribution towards a loss, after which your insurance company will pay the claim. This could be a deciding factor to file or not to file an insurance claim in many cases. It makes financial sense to file a claim if the amount of insurance payout is much more than your deductible. Also, remember that filing a claim may raise your premium in the future.
When your property has suffered a bombardment by hailstones, the first thing to do is call your insurance provider, and the next is to call a good public adjuster. Experienced Public Adjusters is one of Florida’s earliest public adjusting companies with years of dealing with insurance companies under their belt. Most insurance companies tend to rely on their field adjuster’s inspection report when deciding to approve or disapprove your claim. Also, they look for reasons to deny your claim. Our team at Experienced Public Adjusters makes sure to be present on-site to meet and engage with the insurance field adjuster to allay their doubts. Since our team is made up of licensed professionals, we understand the insurance business well. Right from checking your documents to taking pictures of the damage, we prepare an infallible claim so that you receive a fair settlement.
Contact us today in Dr. Phillips for all your hail-related damage claims.