Wind and Hail Damage
Did Your Property Suffer Wind & Hail Damage ?
As most property owners can attest to, their building is the single most valuable possession and possibly the largest investment they have made. When that building is subjected to wind and hail damage, getting the maximum amount of money needed to repair the damaged property is challenging to the insured when making a claim with their insurance carrier. Understanding the insurance claim process or working with a public adjuster can make the difference in recovering the funds needed to do the proper repairs to your building.
Keep in mind, wind and hail insurance varies based on the company, the state where you reside, and the coastal area that you live in. Many states have certain laws that limit insurance companies from implementing wind and hail deductibles. Other states aren’t as stringent, and insurance companies are given more autonomy on setting their own deductibles. For the most part, wind and hail deductibles can range anywhere from 1% to 10% dwelling coverage limit. That means if your home was insured for $500,000 with a 5% deductible, you’d be responsible for the first $25,000 in wind and hail damages. Percentage deductibles are found on your policy’s declaration page.
How to Reduce Damage to Your Home
There are certain areas of your home that are more susceptible to wind and hail damage than other areas, such as your siding, roof, patios, windows, porches, doors, and landscaping. In order to prevent wind and hail from tearing parts of your home open to allow water and further damage, you should take the following steps:
- Trim your trees and bushes on a regular basis
- Secure your outdoor furniture
- Install a reinforced garage door
- Secure plywood over your windows and glass doors before a storm hits.
- Install Impact resistant storm shingles on your roof
The staff at American Claims Ensurance are professional wind and hail damage adjusters and can help alleviate the stress of handling the claim on your own. We will see to it that your home or business is restored to pre-loss condition. Our adjusters understand how insurance companies evaluate certain claims and we will make sure that the estimate for the claim is backed by proper documentation. However, it’s extremely important to contact us when the damage first occurs so we can expedite the claim process and get you paid sooner.
We recognize that physical damage can trigger additional business losses. That’s why we also help business owners.