HAIL DAMAGE

Hail damage on a roof often appears as strike marks, dents, or fractures in shingles. In some cases, the damage might not be immediately visible. It’s important to have a professional inspection to identify non-visible damage, as even minor issues can lead to more significant problems over time.

Insurance companies often claim that hail damage is actually wear and tear to avoid covering the loss. If you disagree with their assessment, consider seeking a second opinion from a qualified contractor or roofing specialist. A Florida insurance attorney can also help you dispute these findings and advocate for fair compensation.

Yes. Non-visible hail damage, such as structural weakening or small cracks, can still affect the integrity of your property. A professional inspection can uncover these hidden issues, and you have the right to file a claim for all hail-related damage.

Florida law generally requires property owners to file insurance claims within a specific timeframe, often referred to as the statute of limitations. However, it’s best to act quickly after discovering hail damage, as delays could affect your claim’s success. Consult a Florida insurance lawyer to understand your timeline.

Yes. If your claim was denied, you have options. A Florida insurance lawyer can help you appeal the denial, gather supporting evidence, and negotiate with your insurer to ensure your rights are protected. Don’t accept a denial without exploring your legal options.

Insurers sometimes argue that partial damage doesn’t warrant a full roof replacement. However, Florida law may require a full replacement if more than 25% of your roof is damaged. An attorney can help you interpret your policy and challenge unfair assessments.

Insurance companies often use tactics to minimize or deny claims, such as undervaluing damage or blaming other causes. A Florida insurance lawyer has the expertise to navigate these challenges, hold insurers accountable, and fight for the compensation you deserve.

Yes. Hail can damage vehicles, outdoor furniture, siding, gutters, windows, and more. It’s important to document all damage thoroughly and include it in your claim to ensure comprehensive coverage.

Filing a claim for hail damage may impact your premiums, but this depends on your insurer and policy. However, paying out of pocket for repairs could be far more costly. A lawyer can help you weigh your options and advocate for your rights during the claims process.

After a hailstorm, document all visible damage with photos or videos, and secure your property to prevent further damage. Report the incident to your insurer as soon as possible and seek a professional inspection to identify both visible and non-visible damage. If you encounter any resistance from your insurer, consult an attorney for assistance.

At Murray Law Group, we understand the challenges property owners face when dealing with insurance companies. Our experienced Florida insurance lawyers will evaluate your claim, gather necessary evidence, and negotiate with your insurer to fight for the compensation you deserve. Don’t let your insurer delay, dispute, or deny your valid claim—contact us today for a free consultation.