Denied by the insurance adjuster??
If you’ve been turned down by your insurance company after a hail damage claim, it can feel frustrating and unfair. But don’t give up yet—there are ways to fight back and get what you’re entitled to. Here’s how to make sure your insurance company takes your claim seriously and compensates you for the damages:
1. Review Your Policy Thoroughly
Before taking any action, read through your insurance policy to understand what’s covered. Look for sections that detail storm and hail damage coverage. Sometimes, specific conditions or exclusions apply, and knowing these details can help you argue your case more effectively.
2. Document the Damage
If you haven’t already, take photos and videos of the hail damage as soon as possible. Capture different angles of the damage to your roof, siding, windows, and any other affected areas. Make sure the date on your camera is accurate to establish a clear timeline. You should also keep records of weather reports from the time of the storm, as these can serve as proof of the hail event.
3. Request a Detailed Denial Explanation
If your claim was denied, your insurance company is required to provide a written explanation. Don’t settle for a vague answer—ask for a detailed breakdown of why they refused your claim. They may cite reasons such as “pre-existing damage” or “cosmetic damage only.” Having this in writing will help you prepare a rebuttal.
4. Get an Independent Contractor’s Opinion
Hire a licensed contractor, roof inspector, or public adjuster to evaluate the damage. Their expert opinion can often contradict the insurance company’s assessment. Independent experts tend to be more thorough in their inspections and can offer documentation that supports the legitimacy of your claim.
5. File a Dispute or Appeal
Insurance companies often have an appeal process. Gather all the evidence you’ve collected, including photos, third-party opinions, and weather reports, and submit a formal appeal. Be sure to follow any specific procedures required by your insurer for disputing a claim.
6. Involve Your State’s Insurance Department
If you’re still having trouble, consider filing a complaint with your state’s department of insurance. They regulate insurance practices and may step in if they believe the insurer is acting in bad faith.
7. Seek Legal Help
If all else fails, it might be time to consult an attorney who specializes in insurance claims. Many lawyers offer free consultations and work on a contingency basis, meaning they only get paid if you win. A letter from a lawyer threatening legal action can sometimes push the insurance company to settle.
8. Stay Persistent
Insurance companies often hope that by denying claims or dragging their feet, you’ll give up. Don’t let them wear you down. Persistence is key, and having solid evidence, expert opinions, and legal guidance on your side will significantly increase your chances of success.
By following these steps, you can hold your insurance company accountable and make sure they pay for the hail damage you’re entitled to.