Commercial Hail Damage Claims
Property damages as a result of hail have amounted to over 54 billion dollars in the last 14 years
Hail is a type of precipitation that forms in cumulonimbus clouds and falls as frozen rain showers during thunderstorms in the summer months of the year. In the last year alone, there have been over 5,601 major hail storms impacting crops and properties with hail damage across the US. Hail does not have to be large in size to cause severe damage. A small hail just the size of a dime can destroy crops in a field. Larger sized hail will not only cause severe damage to a building’s envelope, but can also cause injury and even fatalities to livestock and humans. If your business operates in a state that is more prone to hail storm events, it is important that you insure your commercial property with the adequate insurance coverage in the event that you need to file a potential commercial hail damage insurance claim.
Typical commercial hail damage to buildings
- Roof Systems (Composite Shingles, Shakes, Built – up, TPO, EPDM, metal roofs, ceramic & cement tiles)
- Structural Roof decking
- Gutters & Downspouts
- Windows, doors & screens
- Exterior walls (Stucco, siding)
- Heating Ventilation and Cooling systems (HVAC exterior units)
Property insurance – Am I covered for commercial hail damage?
Insurance companies are aware of the risk and impact of commercial hail damage to industrial buildings. Many insurance policies will include hail as a covered peril, however in recent years insurance carriers have continued to renew policies that include limitation endorsements and exclusions that can inhibit your ability to have your commercial building return to pre-loss conditions after a hail event. There are several issues that an insurance company will consider when adjusting a commercial hail damage insurance claim.
Identifying commercial hail damage
After a recent hail event, it is important to document all apparent damages to your commercial building. Immediately take photographs where you suspect areas of your building may be affected by hail. Keep an eye out for dents, dimples, chips and even holes which may have been caused by hail hits. Flat roofs tend to incur more damages from hail impact hits than pitched roofs. It is recommended to immediately contact a qualified professional to inspect your commercial hail damages such as a: licensed commercial roofing repair contractor, licensed public insurance adjuster with commercial hail damage experience and possibly a licensed engineer or architect. Many roofing contractors will agree to initially make temporary repairs or tarp the roof to prevent any further damages and water intrusion into your commercial building.
Our public adjusters service the following areas
Floridian International Adjusters continues to expand into several regions of the US and abroad. Currently, our licensed adjusters can assist property owners with damage in the following locations:
|South Carolina||North Carolina|
Property loss consultants working for you!
Founded in a region known for it’s high risk of natural disasters such as tropical storms, hurricanes, floods, fires and other catastrophes. Floridian International Adjusters has become a known advocate for policyholders who have incurred the consequence of property damage to their homes and businesses. Our licensed public adjusters have represented and settled thousands of property insurance claims on behalf of property owners. FIA’s trained staff and adjusters come from many diverse backgrounds such as customer relations, architecture, emergency restoration, marketing, business administration and even from inside the insurance carrier side of the property insurance industry. The combination of these various disciplines gives the firm a competitive edge in excelling the practice of public insurance adjusting, property loss consulting and loss appraisal.
Floridian International Adjusters core principles center on the needs of our clients. Our careful representation and insurance claim management strategies provide your property loss claim with an opportunity to maximize the benefits of your insurance policy coverage in an efficient and pro-active manner. Understanding the nature of identifying damage and properly appraising the value of your claim is our specialty.