Wind and Hail Damage Claims: A Guide for Homeowners

When Mother Nature unleashes her fury in the form of wind and hail storms, the aftermath can leave homeowners with significant property damage. Coverage for wind and hail damage often has unique conditions and requirements that homeowners should be familiar with. At Averill & Reaney, we have years of experience handling these types of claims and are here to help you through the process.

Understanding Wind and Hail Damage Coverage

Wind and hail damage policies are specifically designed to address destruction caused by these weather conditions. While your homeowners insurance covers a range of incidents, it may not provide sufficient protection against the unique and often extensive damage caused by high winds and hailstorms. Having a homeowner’s policy that adequately protects your assets against damages caused by wind and hail can offer peace of mind and financial security when needed most.

Common Wind and Hail Damage

1. Roof Damage: High winds can lift and tear shingles, while hail can cause dents and punctures, leading to leaks and structural issues.
2. Siding and Windows: Debris and large hail can break windows and damage the exterior siding of your home.
3. Outdoor Structures: Fences, sheds, and other outdoor items are also at risk during severe weather events.

Steps to Take After Wind and Hail Damage

1. Assess the Damage: Once it’s safe, inspect your property to identify and document any damage. Take photographs and notes, as this will be crucial for your claim.
2. Prevent Further Damage: Make temporary repairs to prevent additional harm, such as covering broken windows or tarping damaged roofs.
3. Contact Your Insurer: Notify your insurance company as soon as possible. Provide them with your documentation and be ready to answer questions about the extent and nature of the damage.

Filing a Wind and Hail Damage Claim

1. Review Your Policy: Understand the specifics of your wind and hail coverage, including any deductibles and exclusions.
2. Prepare Your Documentation: Include photographs, repair estimates, and receipts for any temporary repairs.‍
3. Work with an Adjuster: An insurance adjuster will likely visit your property to assess the damage. Be present during this inspection to point out all affected areas.
4. Negotiate if Necessary: If you feel the initial settlement offer is insufficient, don't hesitate to negotiate. This is where having an experienced attorney can be invaluable.

How Averill & Reaney Can Help

Dealing with homeowners insurance claims can be daunting, especially when you’re already experiencing the other stresses associated with the aftermath of a storm. Averill & Reaney Attorneys at Law specializes in property damage claims, we have the experience and the empathy to support you through every step of the process. Our team can help you:

• Understand Your Coverage: Clarify the details of your wind and hail policy to ensure you know what is covered.
• File Your Claim: Assist with gathering documentation, completing paperwork, and submitting your claim correctly.
• Negotiate Settlements: Advocate on your behalf to ensure you receive a fair and adequate settlement.
• Litigate if Necessary: If your claim is unjustly denied or undervalued, we will take the necessary legal action to protect your rights.

For more information or to schedule a consultation, please contact us. We're here to help you rebuild and move forward with confidence.