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Public Adjusters for Hail Damage

Hail damage can often be missed and then lead to serious damage to your property. A delay in filing your commercial insurance claim for hail damage can become a hurdle in getting the optimum insurance recovery for your business. We can help.

Hail causes an average of nearly $1.3 billion in property damage each year, plus tens of millions of dollars in crop damage.

A disaster unexpectedly damages, stalls, or destroys your business. In the critical aftermath, it’s enough of a responsibility to focus on maintaining operations and keeping your customers. Do you also have the time and knowledge to properly handle your insurance company and get what you are owed from your policy? They will naturally limit their financial exposure to your claim, which will include sending their own team to assess the damage and determine what to pay you. Who then can you trust to protect your interests and business?

Our professional public adjusters are there to lift that burden from beginning to end in your insurance claim process. When you get struck with Oklahoma or Texas hail damage, our public adjusters are there for you. We work only for you, not the insurance company. We level the playing field with our expertise in evaluating, documenting, and negotiating your insurance claim for the maximum amount so you can get back to business sooner. With offices in Houston, Dallas, and Oklahoma City, our public adjusters are ready to maximize your hail damage insurance claim.

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What To Focus On After Hail Damage

Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
  • What is my agent/broker’s role? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
  • The insurance company hired a construction estimator. What do I need to know?
  • Loss of Appearance allowances. Are they covered?
  • Why is a claim strategy so important?
  • Am I impacted by coinsurance?
  • Prompt inspection and documentation by YOUR experts is key.
  • How is hail damage determined/identified?
  • Can there be damage to the roof without any visible damage?
  • Air conditioning units: repair vs. replacement. Can repaired units have the same efficiency?
  • Chipped roof tiles. Do they need to be replaced?
  • Value engineering a different roof covering vs. paying for what was actually damaged. Is that a good strategy?
  • Do you have to accept a settlement that leaves you with dented property?
  • Exterior paint. Requirements/protocols regarding matching all sides.
  • Is there coinsurance in your policy? Properly managing coinsurance requirements can prevent financial disaster. Not properly managing coinsurance requirements can put you out of business! If there is, what does it mean? If there is, did your insurance adjuster explain it to you? How is coinsurance calculated: on replacement cost or actual cash value?
  • Prompt inspection and documentation is key to a successful claim.
  • Is there a methodology to properly document the loss?
  • It takes a trained professional to identify and document hail damage. Do you have the right experts lined up? You should not rely only on the insurance company’s experts.
  • How much of my time will this take?

Property Damage Losses Commercial Claims Recovery Process