While most insurance policies cover hail damage, claim outcomes can vary- some property owners may encounter challenges documenting the full extent of damage or navigating the claim process.
At FairVantage, we help ensure hail damage is properly documented and clearly presented, supporting a fair and efficient resolution.
What Does Insurance Cover?
Often homeowners' and commercial property insurance policies cover hail damage, including:
✅ Roof Damage – Hail can crack, dent, or break shingles, leading to leaks and long-term structural issues.
✅ Siding & Exterior Damage – Hail impact can cause cracks, dents, or holes in vinyl, wood, or stucco siding.
✅ Windows & Doors – Hail can shatter glass, damage frames, and weaken seals, leading to energy loss and leaks.
✅ Gutters & Downspouts – Hail can dent or puncture gutters, affecting drainage and increasing water damage risks.
✅ Outdoor Structures – Hail can damage fences, sheds, decks, and patio covers.
✅ HVAC Units & Vents – Hail can dent or puncture AC units, vents, and exhaust fans, reducing efficiency and lifespan.
✅ Interior Damage – If hail creates an opening in your roof or walls, leading to water intrusion, your policy may cover resulting interior repairs.
Common Exclusions & Limitations
🚫 Cosmetic Damage Exclusions – Some policies deny coverage if damage is considered “cosmetic only,” even if it affects the material’s durability.
🚫 Pre-Existing Damage – If the insurance company claims the damage was present before the storm, they may deny the claim.
🚫 Hail Deductibles – Some policies have separate, higher deductibles for hail-related claims.
🚫 Poor Maintenance – If the insurer believes your roof or exterior was in poor condition before the storm, your claim may be denied.
Steps to Filing a Hail Damage Claim
1️⃣ Inspect Your Property – Look for dents, cracks, or missing shingles on your roof, siding, and gutters. Check windows and outdoor structures for damage.
2️⃣ Document Everything – Take clear photos and videos of the damage before making any temporary repairs. If possible, include photos from before the storm for comparison.
3️⃣ Prevent Further Damage – Use tarps or temporary fixes to protect exposed areas from additional harm.
4️⃣ Contact Your Insurance Company – Report the damage as soon as possible to avoid claim delays.
5️⃣ Get a Professional Inspection – Hail damage can be subtle and easy to overlook. A FairVantage expert can ensure all damage is properly documented.
6️⃣ Review the Settlement Offer – If you believe the initial settlement doesn't reflect the full scope of damage, you may have the option to request a second opinion or appraisal.
7️⃣ Dispute If Necessary – If you disagree with the claim outcome, you can request a reinspection, initiate the appraisal process, or explore other resolution methods.
How FairVantage Can Help
At FairVantage, we:
✔️ Conduct thorough property inspections to ensure all hail damage is properly documented.
✔️ Review your policy to confirm your coverage and rights.
✔️ Collaborate with parties involved to support a balanced resolution.
✔️ Assist in the appraisal process or provide guidance when a resolution requires further review.
