Hail can be very damaging to your property, and the injury can be worse if you’re not covered by insurance. But if you have insurance, you’re covered, right? No. Not always!
Many hail damage claims have been rejected because the claimant lacked proper representation. This article will give you a breakdown of everything you need to know about hail damage insurance and hail damage property claim lawyers.
Does Homeowner’s Insurance Cover Hail Damage?
Generally, most policies and coverage for hail damage, but there are differences in how it is applied. Keep in mind that a roof over 20 years old might have limited coverage or no coverage at all. Always to check your policy to ensure you’re covered for hail damage.
Hail’s unpredictable nature causes problems for uninformed homeowners who purchase insurance with high deductibles or limited coverage. Be clear about your deductibles and coverage to make sure you understand the insurance you’re purchasing.
What About Vehicles?
We all know hail can damage your roof and house, but it can cause significant damage to your vehicle as well. Most comprehensive car insurance policies will cover hail damage, but the best thing to do is to buy an insurance policy that explicitly covers hail damage.
If unfortunately, you suffer hail damage and don’t know what to do to make a strong claim, it’s possible to get representation to help you do it correctly. An expert law firm like Louis Law Group can guide you through the process.
Insurance Claims and Premiums
In some cases, if you happen to live in a hail-prone area in Florida, making a claim might affect your premiums. However, such decisions are made on a case-by-case basis. If you file too many claims in a short period, your premiums can spike.
Home insurance rates are generally not affected by hail claims, since any damage they inflict is beyond your control. But there have been cases where hail damage claim did impact on the policyholder’s premium and rates.
6 Tips for Making A Stronger Insurance Claim
An insurance claim should not be taken lightly. If you have faced a loss and believe you require compensation from your insurer, following these tips will help you file a strong and legitimate claim.
1. Note the damage
Note the extent of the damage your property incurred. Take pictures and videos. You can use them as evidence when making a claim.
2. Find proper representation
Enlist the services of a reputable law firm like Louis Law Group. Having proper representation can dramatically increase your chances of having your claim accepted.
3. Don’t waste time
If you have suffered hail damage and want to make a claim, it’s good practice to not delay the claim process. Doing so may jeopardize your settlement.
4. Keep records
Keep all records of your communication with your insurer, such as texts or email threads. This will be helpful if you or your lawyer need to go and look back for something.
5. Filling the paperwork properly
Filling in the paperwork accurately is very important. Try to provide correct information within a reasonable amount of time.
6. Read your policy
Stay on top of your policy. Make sure you know the terms and conditions of your insurance so you can avoid getting blindsided.
- Does making a claim increase my rates?
- There may be an effect on your premium if you happen to make multiple claims within a short period. However, if you live in a hail-prone area, your insurance can charge everyone in the area a higher premium due to the higher risk.
- Does auto limited liability cover hail damage?
- Usually no. Auto limited liability does not cover hail damage. It can cover some the other driver’s property and medical costs if you are involved in an accident.
- Is getting a lawyer a good idea when making a claim?
- Getting a lawyer to represent you during a claim increases your chances of getting paid the compensation you deserve. The hail damage property claim lawyers at Louis Law Group are professionals with years of experience in dealing with hail damage claims.
- Does my deductible apply to hail damage?
- Comprehensive insurance coverage usually comes with a deductible. This is the amount you’re expected to pay out of pocket towards your hail damage repairs. A high deductible can lower your premium, but if you live in a hail-prone area, you should take into account whether you can afford the payment.
Hail is unpredictable, and the claim process for hail damage can be confusing. An insurer will always want to pay out the least possible amount. Engaging a hail damage property claim lawyer should give you the leverage and expertise you need to get a proper payout.