After a hailstorm, insurers often attempt to deny, dispute or delay valid claims for property damage. If your property incurred hail damage, you can fight for fair compensation with the help of a Florida insurance lawyer.
Hail can cause visible and non-visible damage to your insured property. A hailstorm can cause severe damage to commercial and residential property as well. Buildings, homes, cars, crops and other property are vulnerable to hail damage.
In the last few years, there has been a significant increase in hailstorms and the damage caused by these powerful storms. One of the most significant types of hail damage claims results from roof damage. Most often, this damage is identified by strike marks on the roof. However, damage to vehicles and outdoor items is also common and identified by the marks created from the hail striking the items.
FIGHTING AGAINST INSURANCE BAD FAITH
In many instances, insurance companies allege that only a portion of the damage was caused by the hail, claiming that the other damage was caused by normal wear and tear, manufacturing defects or other factors. Many insurance companies outright refuse to compensate the policyholder for any storm damage. After a hailstorm, insurers often increase their efforts to avoid paying valid insurance claims.
Insurers may point to any number of excuses for failing to act in good faith:
- Arguing that pre-existing damage existed.
- Claiming that poor construction or maintenance of the property contributed to the loss.
- Blaming the damage on manufacturing defects.
- Undervaluing the loss or damage to the residence.
- Insisting that the damage requires minor repairs and not a full replacement.
- Refusing to pay for expenses related to repairs.
- Arguing that less than 25% of the roof is damaged, negating a full roof replacement.
If you have experienced any of these problems with your insurance company, you need a Florida insurance claim attorney who can help you stand up to your insurer to get the compensation you deserve for your hail damage claim.