Hailstorms can be incredibly destructive, leaving homes, businesses, and vehicles with significant damage. While some hail damage is immediately visible, such as shattered windows or dented siding, other damage—particularly to roofs—may not be obvious right away. Insurance companies often challenge hail-related claims, arguing that the damage is minor, pre-existing, or purely cosmetic. That’s why having a public adjuster on your side is essential to ensure you receive the full compensation you’re entitled to. At Continental Adjusters, we specialize in advocating for policyholders and maximizing insurance claims for hail damage.
Hail forms during strong thunderstorms when intense updrafts lift raindrops into freezing temperatures, causing layers of ice to accumulate. Eventually, the hailstones become too heavy and fall to the ground, sometimes reaching sizes large enough to cause extensive property damage. The severity of damage depends on factors such as hailstone size, wind speed, and the duration of the storm. Even moderate hail can weaken roofing materials, crack siding, or lead to long-term structural issues if left unaddressed.
When assessing hail damage, a thorough inspection is critical. Roofs, in particular, can sustain subtle but serious harm. Asphalt shingles may lose their protective granules, exposing the underlayment to future water damage. Clay and slate tiles can develop cracks that worsen over time. Even metal roofs, while more resistant, can dent in ways that compromise their long-term durability. Beyond the roof, hail can damage siding, break windows, and lead to water intrusion that may not become apparent until months later. Insurance companies may argue that these issues are unrelated to the storm, making it crucial to have a detailed and well-documented claim.
Filing a hail damage claim is not always straightforward. Many insurance carriers undervalue claims, delay payments, or outright deny coverage by citing policy exclusions. This is where Continental Adjusters steps in. As public adjusters, we work exclusively on behalf of policyholders — not insurance companies — to ensure a fair and comprehensive settlement. We conduct detailed inspections, gather storm history reports, and negotiate with insurers to secure the best possible payout for our clients. By carefully documenting all damage and leveraging expert analysis, we prevent premature settlements that fail to account for hidden or long-term issues.
If your property has been affected by a hailstorm, taking the right steps early can make all the difference. First, conduct a basic visual inspection of your property but avoid climbing onto the roof yourself. Take photos and videos of any visible damage, both inside and outside. It’s also important to file your claim promptly, as many policies have strict deadlines for reporting hail damage. Most importantly, before accepting any settlement offer from your insurance company, consult with a public adjuster to ensure you’re receiving the full amount necessary to restore your property.
Steps to Take After a Hailstorm:
- Inspect your property for visible damage but avoid going onto the roof.
- Document everything with photos and videos as soon as possible.
- File your claim promptly to avoid missing policy deadlines.
- Consult with a public adjuster before agreeing to any settlement.
Hail damage can be more severe than it appears, and insurance companies often minimize payouts. At Continental Adjusters, we fight for your best interests, making sure your claim is handled fairly and completely.
Visit Continental Adjusters for more information.