Hail damage can often be missed and then lead to serious damage to your property. A delay in filing your commercial insurance claim for hail damage can become a hurdle in getting the optimum insurance recovery for your business. We can help.
Hail causes an average of nearly $1.3 billion in property damage each year, plus tens of millions of dollars in crop damage. Our adjusters will help you through the hail damage insurance claim process to ensure you get the best possible settlement.
Usually, the most costly hail damage occurs on the roof of your building, but depending on the type of roof, the extent of the property damage can go undetected or be difficult to measure. If not identified and dealt with promptly, subsequent damage can occur later, such as water damage and potential structural damages extending from that. Hail damage can also impact windows, doors, air conditioning units, landscaping, and vehicles.
Our public adjusters understand the full scope of hail damage and will work with you to evaluate and document your property damage in detail to negotiate a claim with your insurance company that will get you what your business needs in order to recover. With offices in and close to New York City, New Jersey, Connecticut, Pennsylvania, Delaware, Virginia, Maryland, North Carolina, Georgia, Tennessee, and Florida, we provide expert public adjusting services to maximize and expedite your hail damage insurance claim.
Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
What is my agent/broker’s role? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
The insurance company hired a construction estimator. What do I need to know?
Loss of Appearance allowances. Are they covered?
Why is a claim strategy so important?
Am I impacted by coinsurance?
Prompt inspection and documentation by YOUR experts is key.
How is hail damage determined/identified?
Can there be damage to the roof without any visible damage?
Air conditioning units: repair vs. replacement. Can repaired units have the same efficiency?
Chipped roof tiles. Do they need to be replaced?
Value engineering a different roof covering vs. paying for what was actually damaged. Is that a good strategy?
Do you have to accept a settlement that leaves you with dented property?
Exterior paint. Requirements/protocols regarding matching all sides.
Is there coinsurance in your policy? Properly managing coinsurance requirements can prevent financial disaster. Not properly managing coinsurance requirements can put you out of business! If there is, what does it mean? If there is, did your insurance adjuster explain it to you? How is coinsurance calculated: on replacement cost or actual cash value?
Prompt inspection and documentation is key to a successful claim.
Is there a methodology to properly document the loss?
It takes a trained professional to identify and document hail damage. Do you have the right experts lined up? You should not rely only on the insurance company’s experts.
How much of my time will this take?
How Our Public Adjusters Help You
EvaluateFully reviewing your insurance coverage.
StrategyDeveloping a claim management strategy.
ComplianceDetermining policy compliance issues.
ValuationsCompleting detailed valuations of building, equipment and inventory losses.
InterruptionFormulating business interruption models.
ItemizationPresenting and supporting an itemized claim package to your insurer.
NegotiationNegotiating on your behalf with your insurance company.
CommunicationKeeping you informed every step of the way.
SettlementUltimately settling the claim for the maximum amount and with less hassle for you.
All insurance policies have their 'gray’ areas, and ours was no exception… I was particularly impressed with… your team’s ability to navigate through those areas and present them strategically… in the best light for your client. I really believe that our final claim resolution was significantly better than it would have been.
Donald C. Wood
President and Chief Executive Officer - Federal Realty Investment Trust
For decades, L’Auberge Chez François has been one of the leading restaurants in the metro Washington, D.C., area. Known for its exceptional French cuisine and impressive service, the restaurant is a longtime favorite of Washingtonians celebrating anniversaries, birthdays or other special occasions.
Super Typhoon Paka, as the storm came to be called, was a 12-hour session of destruction for the island of Guam. Stirring up winds in excess of 200 miles per hour, the tropical cyclone tossed buildings, planes and ships across the island like discarded toys. Among these was the headquarters of Continental Micronesia, a subsidiary of Continental Airlines. The main offices, the marketing buildings and the planes were damaged by the powerful typhoon.