Hailstones can cause significant damage
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 to a home. A small hail just the size of a dime can destroy crops in a field. Larger sized hail will not only cause severe hail damage to a building’s envelope, but can also cause injury and even fatalities to livestock and humans. Hail is a type of precipitation that forms in cumulonimbus clouds and falls as frozen rain showers during thunderstorm events in the summer months of the year.
Hail damage can cost homeowners thousands in repairs. The aftermath of a residential hail storm loss can leave homeowners and other property owners with the burden of facing extremely difficult and complex decisions. Issues related to property damage of items such as: roof leaks, building envelopes such as siding, windows, HVAC units and other times building materials become a major concern when dealing with hail claims. Properly identifying and investigation other potential issues such as: repairing a roof become priority over the simple apparent cosmetic damage that an insurance company’s adjuster may just consider. Navigating and understanding the process of a hail damage claim will be overwhelming. The assistance of an experience and qualified public adjuster can prove to be essential to the policyholder.
Identifying hail damage to residential properties
Damages to a home caused by hurricane related perils will present complex issues to a homeowner. The immediate aftermath is what many homeowners are not prepared and experienced to fathom. Urgency kicks in, property damage issues such as food spoilage from power outages, fallen trees, blown roof shingles, exposed roof sheathing, water intrusion to the interior of a home causing microbial growth such as mold become imperative in addressing immediately.
An experienced public adjuster will properly address and identify underlying issues that yourself and insurance company may not understand. Many of these issues will be difficult to investigate and document once certain repairs are made to the property. However, other issues related to structure and non-cosmetic damages will remain until properly remedied. This is simply why it is encouraged to contact a public adjuster at the early stages of your claim. Floridian International Adjusters can assist residential property owners on new claims, underpaid claims, and even claims that have been denied coverage under your homeowners policy.
Do you have more hail damage than what can be seen?
The initial documentation of your hail damaged property is imperative in providing the evidence needed to create an initial presentation to your insurance company. Taking photos and videos with your smartphone or any other device will help solidify your claim and show important documentation of damaged property that may not be obtainable at a later time. Contacting an insurance claim professional such as a public adjuster is beneficial in the documentation of damaged property at the early stages of an insurance claim.
We find that homeowners and other policyholders at times fail to understand and identify the nature and extent of their damage. Our adjusters have the experience and trained eye that allows us to immediately understand the scope of repairs with clarity. Floridian International Adjusters will advise that the property be tested for levels of moisture, water and possible mold growth that may be present yet unseen to the naked eye. It is imperative that such issues be immediately addressed and identified at the early stages of presenting a hail damage insurance claim for a residential property.
Claim management strategies for residential hail damage
Hail damage claims related to homes can be different in many ways. When consulting with your public adjuster, a plan should be developed with the following questions.
- What is the extent and scope of damages to my property?
- What is the initial proposed cost of repairs and restoration?
- Does any of my property damage need to be brought up to code?
- Do I have an estimated timeline for the period of repairs and restoration?
- What are benefits under the insurance policy contract?
- What are my duties and conditions under the insurance policy?
- How long will it take to receive any payment for my claim?
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.