League City, Texas – April 24, 2012 – Astounded residents of McAllen, Texas were blindsided on the evening of March 19, 2012 when a hailstorm hit their city unlike anything seen there before. McAllen was hammered with torrential rain, winds at gusts of 75 mph, and golf ball to baseball sized hail that fell continuously for nearly an hour. The scene was unbelievable to property owners when they looked outside to find huge accumulations of hail on the ground and damage to their property.
That was just the beginning of the turmoil ahead for McAllen property owners, as many are now learning that it is not uncommon for insurance companies to deny hail damage claims for its policyholders. Claim delays, disputes, and denials occur often in the insurance industry. The good news is that Morrison & Morrison Inc. has the information to help hail damage victims get the most out of their insurance claims.
The first step is for property owners to look for signs of hail damage themselves. Look for loose granules on asphalt roof shingles. Also check for granules in rain gutters and downspouts, because the loose granules will eventually wash away. Finally, look for hail dents in exposed surfaces like vents, siding, decks, and also automobiles.
However, it is not enough for a property owner to complete all inspections him or herself. It is not uncommon for hail damage to be unseen, so it is necessary to have it inspected by a professional. Roofs are especially at risk of hail damage and often sustain more harm than it appears.
“There can be extensive damage to a large commercial flat roof,” says Clay Morrison, President of Morrison & Morrison Inc. “and the owner won’t know it until even a year later. Also, you can have multiple fractures in a tile roof that you won’t know about without close inspection.”
Similar to the way that “location, location, location” is known as the key to buying property, “document, document, document” is the key to successful insurance claims. It is vital to extensively document all hail damage done to the property. This entails taking photos and video of the property prior to moving or disposing of anything. Take pictures of any dented siding or broken windows, and photograph any roof shingle granules that may have washed into rain gutters or downspouts. All hail damage should be noted in order to avoid disputes later. Also take pictures of any hail on the property to document the amount of hail that occurred.
Another element of documentation is keeping written receipts for all expenses, especially if paid in cash. Also, be sure to only give copies of photos and documents to the insurance adjuster instead of the originals of any of the documentation. It is vital that proof exists to substantiate your insurance claim, so keeping the originals is the safest way to ensure that documentation is not lost.
Also document any dealings with contractors. Make sure you are given copies of contracts, and that they contain a clear estimate of charges.
Even after substantial documentation of hail damage, if a property owner experiences insurance claim delays, disputes, or denials, it is important to contact a professional public adjuster like those at Morrison & Morrison Inc. for help.
“Don’t dig the hole that you’re in any deeper than it already is. Get a professional public adjuster who represents only you before you harm your position in the claims process even further,” advises Morrison.
About Morrison & Morrison Inc.
Morrison & Morrison Inc. is a property loss consulting firm and licensed public insurance adjusting group, based in League City, Texas. The company is an authority on assessing, documenting, and negotiating property claim damages. They can help determine the true amount of damages, handle the adjustment process, deal with the insurance company, and if needed, manage the appraisal process. For more information about the company, please visit http://www.publicinsuranceadjuster.net/