Chad T. Wilson – Information
July 14, 2023
Updated: July 14, 2023 12:27 p.m.
Chad T. Wilson Law Firm, PLLC: What to do if your hail claim is rejected by your Insurance Company.
Property damage from hailstorms costs billions of dollars annually,¹ and the cost seems to be increasing. Hundreds of home and business owners have damaged property when a storm clears. They must therefore deal with the unforeseen repair expense.
Siding, windows, roofs, and other components of buildings are frequently severely damaged by hail. In many cases, the degree of the harm is not immediately apparent.
When hail damage does occur, your insurance provider should pay for any necessary property repairs or replacements.
Unfortunately, getting insurance to cover hail damage is not always simple.
At Chad T. Wilson Law Firm, we recommend that you recognize why your hail claim has been rejected.
First, you have to recognize the basis for the rejection.
An insurance provider must provide a thorough written justification for their judgment when denying a hail claim. Examine the justification in detail to make sure you comprehend the decision to reject your claim.
The written justification may shed light on “bad faith” actions, for example:
The insurance company provided a repair cost estimate that was significantly lower than the estimate of the contractor who assessed the damages. If this is the case, the insurance provider might be attempting to provide you with less money than you need to pay for the repairs.
Speak with your insurance provider if you’ve read the claim and are still unsure of the reason it was rejected. It is required by law to justify your denial.
Here are some tips that we recommend:
Investigate Your Insurance Policy.
You can better grasp what your insurance covers if you read your policy from beginning to end. Your insurance provider should be paying for the damage if your policy includes coverage for hail damage.
Gather all documentation related to hail damage.
Keep thorough records while making an insurance claim for hail damage. The more details you can offer, the more likely it is that your damage will be covered.
Take close-up photos of the hail damage.
Keep the contractor’s repair estimate, the claim denial, an in-depth description of the damages that includes the storm’s date and time, as well as any other pertinent documents and information.
Speak With A Lawyer About The Claim.
Look for a lawyer with an understanding of and experience handling insurance denials. The lawyer will walk you through your situation during your free initial appointment and should be able to assess whether you have a case against your insurance provider. You are protected if insurance rejects claims it should be paying for. Furthermore, even little hail damage could cost a lot to fix.
The financial fallout from a hailstorm should NOT be your responsibility.
Chad T. Wilson Law Firm, PLLC, offers a legal team that will help you get the justice and compensation you deserve.