Hail Storm Jacksonville Insurance Claim

Jacksonville and Florida weather, in general, can be quite turbulent, to say the least. Not only do we need to deal with severe weather conditions such as hurricanes and tornadoes, but our subtropical climate also carries with it other threats, including hail storms.

While not as destructive as hurricanes, per se, hail storm Jacksonville can cause serious damage to your home, depending on the speed at which hail hits the ground. This is especially true for our poor roofs which take the brunt of the damage.

Thankfully, you can file a hail storm insurance claim to recover enough funds to fix the roof or any other damaged part of your property. Here’s how you can strengthen your case and recover the maximum amount of damages.

The Effects Of A Hail Storm Jacksonville

Generally speaking, roofs take the brunt of the damage when a hail storm hits. For example, it’s common for hail to create large dents in aluminum sidings, gutters, and shingles. It can also damage wood shakes and crack vinyl siding and asphalt roofs.

Funny enough, vinyl siding is quite popular these days in Jacksonville due to its lightweight design that can withstand winds of extreme speeds. Nevertheless, it’s quite susceptible to damage in case of a hail storm and will crack and chip easily when the hail hits the panels. 

In conclusion, anything on the outside can get wrecked and since a hail storm Jacksonville isn’t something you can avoid, you should ensure you’re prepared at all times.

Our advice is to never neglect any minor defects that can make your roof susceptible to damage. You should also consider a roof design with more durable shingles.

Additionally, maintain shrubbery and trees on your property. Hail can pretty much rip those limbs clean off, which might end up damaging your home or your vehicle. Don’t forget to also store away any decorations or lawn furniture to avoid debris during storms.

Hail Damage Insurance

Your insurance will most likely cover hail storm Jacksonville damage, a standard part of the homeowner’s policy in Florida. Depending on the type, as well as specific policy conditions and terms, you may receive varying amounts of compensation. 

It’s also important to note that this policy will probably have a deductible. Again, depending on the terms, it could be the standard deductible paid for any claim or a custom figure. If you have a hail damage rider, you might have to pay a separate amount for the deductible. 

The terms of the policy will dictate how long after hail storm Jacksonville can you file a claim. We recommend you file it as soon as possible. By waiting, you’re putting yourself at a disadvantage, so to speak, as the insurance company will have more reasons to deny the claim. They may deny you by asserting that the damage came from something else or that you made the damages worse by not addressing the problem straight away. 

That brings us to our next point. Just as with any other claim, the road to receiving compensation may be rocky. This is because insurance companies have to look out for their bottom line too, and they’ll usually provide a lot of resistance. 

Be prepared to experience an undervalued claim, delay, and in the worst-case scenario, denial. Your insurer may blame the damage on age or poor maintenance, as well as the aforementioned lack of care after the hail storm Jacksonville hit.

To increase your chances of receiving proper compensation, you should hire your own adjuster when filing your claim. In doing so, you ensure you’ll receive the full amount you’re entitled to under your policy, in a timely manner (more on that later). Let’s take a look at the actions you have to take after the storm to reinforce your claim.

What To Do After The Storm?

Your immediate actions after the event make all the difference in how easy your claim process will be. 

We recommend that you document the damage yourself as soon as it’s safe to do so (it’s falling ice, after all). If possible, take photos of the hail to illustrate its size. 

After that, make any necessary temporary repairs to minimize further damage. This may include tarping to the roof or covering broken windows. Take photos of these efforts to prove you’ve done everything in your power to stop additional damage from happening.

Next, call your insurance company to start the process and contact repair services or a public adjuster to get estimates of the damage. While the insurance company will send the adjuster who’s working for them, having someone else on your side may provide you with a more precise cost of the necessary repairs.

Why You Should Hire An Adjuster Of Your Own

To avoid having to pay the repairs due to hail storm Jacksonville out of your own pocket, you should hire a public adjuster who will help you handle and file your claim. 

The insurance company will try to minimize the potential costs of damages so they can pay you less. An adjuster you hire will work to maximize the amount of money you can receive. 

They have the necessary experience to identify how much your damages are worth and help minimize the out-of-pocket costs of repairing your roof or other damaged property. 

Most importantly, these professionals will help you avoid any mistakes when filing the claim. In situations like these, people are stressed due to the fact that their property is damaged so they’re more likely to settle for anything if it can help get the entire process sorted out quicker. 

A public adjuster will guide you in the right direction and offer you expert advice that will give you peace of mind and help make all the right calls.

Why Continental Public Adjusters?

If you’re in doubt after hail storm Jacksonville, you should choose Continental Public Adjusters. We’ve got almost four decades under our belt handling all kinds of insurance claims and we can help you get the most out of your insurance policy. 

We work on a contingency basis (fee paid out by your insurance company) with a fee ranging between 5% and 15% which is negotiable. 

Call us now at (800) 989-4769 or fill out our contact form for a free consultation and learn about your options after a hail storm Jacksonville!