Hail damage covered property can be one of the more complicated perils a policy holder can face. Many times the damage is not readily or easily visible to the home or commercial property owner but that doesn’t mean the damage hasn’t been done.
Hail can compromise the weather barrier material and/or the integrity of roofing shingles, metal roofs, or commercial roof systems and significantly affect its ability to do its job, keeping the weather out! Sometimes this is an immediately visible result in the form of a hole or sudden leak. However, many times it can cause a cascading effect that weakens the structure and can cause it to fail over time, often to a much more costly end.
The resulting damage is often much greater than than the sum of the replacement cost, typically causing interior damage, health safety concerns (mold and mildew from leaks), structural damage to decking and support systems, and possibly life safety issues in protecting against extreme weather conditions in the future.
These concerns apply to residential shingles, tile, and metal roofing systems, siding, window trim and weather proofing, ground or roof top air conditioning systems . Commercial structures can incur millions of dollars in damage to the expansive and costly roofing systems as well as to occupants and tenants of the structure or building, resulting in considerable business losses to the ownership.
Many policyholders are unaware of the severity or scope of the damage that hail can cause and the carriers know this.
The Chad T. Wilson Law Firm has worked tirelessly to understand all types of damage that hail may cause to a residential or commercial structure and are ready to challenge a denied hail claim from an insurance company to bring a proper and fair settlement to our clients!