Hailstorms can cause serious damage to homes, businesses, and vehicles. While most insurance policies cover hail damage, insurance companies may undervalue or deny claims, leaving property owners with costly repairs.
At FairVantage, we ensure your claim is properly documented, fairly assessed, and accurately paid.
What Does Insurance Cover?
Often homeowners' and commercial property insurance policies cover hail damage, including:
✅ Roof Damage – Hail can crack, dent, or break shingles, leading to leaks and long-term structural issues.
✅ Siding & Exterior Damage – Hail impact can cause cracks, dents, or holes in vinyl, wood, or stucco siding.
✅ Windows & Doors – Hail can shatter glass, damage frames, and weaken seals, leading to energy loss and leaks.
✅ Gutters & Downspouts – Hail can dent or puncture gutters, affecting drainage and increasing water damage risks.
✅ Outdoor Structures – Hail can damage fences, sheds, decks, and patio covers.
✅ HVAC Units & Vents – Hail can dent or puncture AC units, vents, and exhaust fans, reducing efficiency and lifespan.
✅ Interior Damage – If hail creates an opening in your roof or walls, leading to water intrusion, your policy may cover resulting interior repairs.
Common Exclusions & Limitations
🚫 Cosmetic Damage Exclusions – Some policies deny coverage if damage is considered “cosmetic only,” even if it affects the material’s durability.
🚫 Pre-Existing Damage – If the insurance company claims the damage was present before the storm, they may deny the claim.
🚫 Hail Deductibles – Some policies have separate, higher deductibles for hail-related claims.
🚫 Poor Maintenance – If the insurer believes your roof or exterior was in poor condition before the storm, your claim may be denied.
Steps to Filing a Hail Damage Claim
1️⃣ Inspect Your Property – Look for dents, cracks, or missing shingles on your roof, siding, and gutters. Check windows and outdoor structures for damage.
2️⃣ Document Everything – Take clear photos and videos of the damage before making any temporary repairs. If possible, include photos from before the storm for comparison.
3️⃣ Prevent Further Damage – Use tarps or temporary fixes to protect exposed areas from additional harm.
4️⃣ Contact Your Insurance Company – Report the damage as soon as possible to avoid claim delays.
5️⃣ Get a Professional Inspection – Hail damage can be subtle and easy to overlook. A FairVantage expert can ensure all damage is properly documented.
6️⃣ Review the Settlement Offer – If your insurance company underestimates the damage, you have the right to negotiate.
7️⃣ Dispute If Necessary – If your claim is denied or undervalued, you can request a reinspection, appraisal, or mediation with professional assistance.
How FairVantage Can Help
At FairVantage, we:
✔️ Conduct thorough property inspections to ensure all hail damage is properly documented.
✔️ Review your policy to confirm your coverage and rights.
✔️ Negotiate with insurance adjusters to help you secure a fair settlement.
✔️ Assist in disputes and appraisal processes if your claim is denied or underpaid.
