Property Insurance Claims Assistance in Texas
Residential, Business & Commercial
Hail, wind, water & tornado damage frequently devastates the operation of buildings and commercial properties, such as office buildings, shopping malls, industrial facilities, churches and apartment complexes. The longer the insurance company disputes your business’s legitimate hail damage to roof insurance claims, the more damage that can occur to your commercial property and your business’s relationships with clients and customers.
Homeowners Insurance Claims Hail Damage
If your home is damaged in a hailstorm, the complete extent of your property damage may be difficult to detect. Our experienced insurance restoration team may work on your behalf to evaluate and document the full scope of damage and negotiate a maximum claim recovery to get you the most for your home.Hail damage can be hard to spot. If missed, it can cause further damage to your home down the road when you least expect it. We manage your claim to ensure that all potential damages are identified.
With hail damage, it is not just rooftops and vehicles. For instance, hail can ruin siding, windows, sheds, landscaping, and outdoor equipment and furniture. If you are not aware of this, how can you know for sure if your insurance company will be thorough enough to identify all possible hail damages? Small dents today can lead to bigger problems tomorrow, such as a leaking roof that could compromise your home.
If your insurance company has a team of adjusters working on their behalf, why should you take on your hail damage insurance claim alone? (Hint: please don't if so you are severely at a disadvantage!)
3 Jumbo Mistakes Property Owners Commonly Make with Insurance Claims
Jumbo Mistake #1 - Not Filing an Insurance Claim when you should
Most people have insurance policies to protect themselves should something go wrong, then when something does, they’re afraid to use it!
That sounds crazy at first. You have insurance. Something went wrong. Why not use it?
The fear is that by making a claim, rates will go up or you will be cancelled. That is possible if you have too many claims for incidents that are within your control (such as a sink overflowing), but not for naturally occurring incidents like a roof insurance claim.
Insurance property claims made in response to a naturally occurring incidents, or “Acts of God,” CANNOT result in an increase in premiums, cancellation, or non-renewal!
“Acts of God” are claims that are a result of a wind storm, hurricane, hail damage, or tornado and are beyond your control. Therefore, you are not punished for making a claim due to their damage.
Jumbo Mistake #2 - Filing a Frivolous Insurance Claim
Property casualty insurance (whether residential or commercial) is for significant events like a fire, hail or wind storm, or a fallen tree on your home or business – not for minor expenses like the theft of a bicycle or a single broken window. So, while filing an insurance property claim may be valid, it may not always be wise to file it.
For example, take a look at your insurance policy and read the declaration pages (yes, I know it's boring!). Most insurance policies contain a 1% or 2% deductible requirement. The amount of the insurance claim needs to be considerably more than the deductible to make it worth making the claim.
So how do you know if you have enough damage to make a claim?
Start by looking around your home or business.......do you see:
Jumbo Mistake # 3 - Not paying your insurance policy required deductible
Not paying your required insurance deductible is probably the most common mistake property owners make – often without knowing the consequences. Storm chasers and shady roofers may promise to put on your roof for whatever insurance pays. While the thought of a “free roof” sounds great, failing to pay your insurance deductible is illegal in Texas and going along with this scheme means you may be committing insurance fraud!
Don't be fooled by a roofer and allow them to convince you that they can get around this requirement by paying you an “advertising fee” for putting a sign in your yard. Or they will conveniently forget to collect the final payment at the end of the job.
Regardless of how these scammers try and rationalize it, not paying your insurance policy deductible is a serious breech of contract and may constitute insurance fraud! Insurance fraud costs consumers and average of almost $700 per family in additional premiums per year. But more importantly, insurance fraud carries a penalty up to $10,000 and up to 2 years in state prison, depending on the dollar value of the fraudulent claim. Please reference Tex. Penal Code § 35.02(a) - INSURANCE FRAUD
We have several decades of insurance restoration experience working with all major insurance carriers including: