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 public adjusters can help your business recover after hail damage strikes.
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. You may be wondering, “how does a hail damage claim work?” Our public adjusters understand the full scope of the 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. We have helped business owners in San Rafael, CA, Elko, NV, Willcox, AZ and throughout California, Nevada, and Arizona recover maximized hail damage insurance claims. Allow us to be your partner in recovery.
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?
Property Damage Losses Commercial Claims Recovery Process
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
As you know, I am a fire Chief with the Glendale, AZ Fire Department. For years, I believed that my insurance company was my friend. So at first, when hail damaged a building I owned in Glendale, I naturally assumed that I would be well taken care of. Looking back…After my first meeting with my Insurance Adjuster I realized that I was WRONG!...In a nutshell, you fought for me all the way. When the insurance company did not want to pay me for the industry standard contractor’s profit and overhead you stood by me and did not waiver until they agreed to pay. In the end, I’ve no doubt I was paid at least 50% more than I would have been paid without your help. And there is no way I can put a price on the time that I saved as a result of you doing the work…You guys are highly professional claim experts and anyone thinking that they can handle a large insurance claim on their own should think again.
Wayne Smith, Deputy Chief
Glendale Fire Department
“The hail storm damaged every single one of our 54 buildings and we were faced with the daunting tasking of evaluating what we needed in order to properly repair our buildings. We obviously did not know what we needed because we are not contractors or experts at repairing buildings. The insurance company came in, acting as if they were on our side, and offered to estimate the loss for us. Looking back, we should have seen an immediate red flag. We, after much delay, found out the hard way that letting the insurance company estimate our loss was not a good idea…After we found ourselves hung out to dry by the insurance company we did not know where to run…I consider every unit owner in the complex lucky that we made the smart decision to hire The Greenspan Co. / Adjusters International to stop the insurance company from continuing on the same path. It was clear, immediately after retaining your services, you were on the job. You took control of the adjustment process and told the insurance company what we were entitled to receive. You were unwavering in your approach and negotiation.”