Steps to Take After a Hailstorm
If your property sustains hail damage, taking immediate action is crucial to protect your rights and maximize your insurance claim. Colorado homeowners typically have two years to file a claim, but acting quickly can help prevent further damage and speed up the claims process.
Here’s what we suggest:
- Notify Your Insurance Company: Report the damage as soon as possible to begin the claims process. Delayed reporting may give insurers grounds to dispute your claim.
- Document the Damage: Take clear photos and videos of your roof, siding, windows, and any affected property. This visual proof strengthens your claim.
- Get a Professional Inspection: Hiring a licensed roofing contractor or public adjuster ensures you have expert documentation of structural damage, which can counter potential insurer pushback.
- Review Your Policy: Understand what your homeowner’s insurance covers, including repair estimates, deductibles, and documentation requirements.
- Keep Detailed Records: Maintain copies of all communication with your insurer, including emails, letters, and notes from phone calls. Thorough documentation can be critical if the insurer attempts to delay, underpay, or deny your claim.
If you encounter delays or bad faith tactics, consulting an experienced hail damage attorney can help you fight for the compensation you deserve.
