Florin|Roebig has been successfully assisting clients with hailstorm damage claims for nearly 40 years. Florin|Roebig specializes in many different practice areas, including personal injury and insurance law. Contact us today for a free consultation.
Homeowners Insurance for Aurora Hail Damage
Aurora homeowners and business owners are used to experiencing storms with damaging wind and hail. It is important to note that in Colorado, hail damage claims are separate from wind damage claims.
While homeowners insurance is only mandatory for those with mortgages, many homeowners feel safer having this insurance coverage.
Residents of Aurora, Colorado, can expect to pay around $247 a month for homeowner’s insurance. This comes out to roughly $2,964 annually for those in Aurora, Colorado.
Who Is Responsible for Hail Damage to Colorado Homes?
In Colorado, the homeowner’s insurance provider is responsible for hail damage to both personal and business property. The amount of coverage you will receive from your insurance provider will depend on the type of coverage you have.
There are two types of coverage that you can receive:
- Actual Cash Value — With this type of coverage, you will receive the amount needed to fix or replace the damage done to your property, minus compensation for any wear and tear that might have occurred over the course of time.
- Replacement Cost Value — This type of coverage will give you the total amount needed to repair or replace the damage that has occurred to your home due to a storm with damaging hail and wind. They will not subtract anything from the amount you receive.
About Hail Insurance Deductibles
Usually, when you file a claim with your insurance provider, they will pay a portion of the amount needed to fix or repair parts of your home or business that have been damaged, such as your roof, windows, siding, etc. The rest of the bill will be the homeowner’s responsibility.
The difference between what your insurance company will pay and what you will need to pay is called the deductible. Paying for this out-of-pocket expense will be the responsibility of the policyholder.
Hail Insurance Claims Requirements
It is important to be prepared when you talk to your insurance provider, as they can be inflexible when it comes to paying out claims. If you need help navigating the insurance claims system, our attorneys at Florin|Roebig are ready to assist you.
In order to prove to your insurance company that the damage to your home was caused by a storm with hail and not just by normal wear and tear, take as many photos and videos as you can.
Types of Hail Damage to Aurora Homes
Hail storms in Aurora, Colorado, can be significantly damaging to anything left vulnerable to the storm, such as homes, cars, and other outdoor buildings and equipment.
Here are some of the most common types of damage a hail storm can inflict:
- Roof damage: Shingles are especially vulnerable to storms with hail. Shingles can be dented, torn, weakened, and even missing. Shingles can become bruised and softened, which, if not fixed, can lead to water damage.
- Windows: Your windows can also be extremely damaged in a bad hail storm. Windows can be cracked, dented, chipped, and even fractured or shattered. This can allow water to enter the home and cause damage. Sharp glass can also be a hazard.
- Gutters, downspouts, and chimneys: Downspouts and gutters can become dislodged, their screens loosed and missing. Chimneys can be dented and cracked.
- Air conditioner unit: Storms can do serious damage to exposed AC Units. If the fans and blades of your unit are damaged, this can restrict airflow through your home and cause the temperature to rise inside.
What to Do for Aurora Home or Business Hail Damage
The first thing you need to do after a damaging thunderstorm is make any immediate repairs you can, such as board up broken windows, in order to prevent more damage.
Next, start collecting as much evidence as you can; the sooner you file your claim and get the claims process started, the sooner you can be done with it. While you collect evidence, you can take this time to prepare yourself for filing a hail damage claim.
1. Document the Damage
It is critical that you show the evidence done to your personal or business property was caused by a hail storm.
In order to do this, you can take pictures and videos of the damage, such as torn or missing shingles, shattered windows, dislodged gutters, or downspouts.
2. Review Home Insurance or Business Insurance Coverage
The next step is to review your insurance policy carefully, and determine which type of coverage you have, Actual Cash Value or Replacement Cost Value. This will be important information when you are getting ready to file your claim and plan for repairs.
3. Get a Third-Party Repair Estimate
Now, you should obtain third-party repair estimate from an independent contractor, such as a roofer. The contractor will have someone come and inspect the damage to your property and give you an estimate for repairs.
4. Seek Help from an Aurora, Colorado Hail Damage Attorney
Some people are unaware that there are lawyers who can assist with insurance claims. Florin|Roebig has attorneys that are experienced in insurance law, and we have successfully won over $1 billion in case awards for our clients. We can help you, too.
Even if you have no issues getting your claim approved by your insurance company, you can still gain valuable assistance from a hail damage attorney. Attorneys are knowledgeable about the important deadlines that claim paperwork must be filed by.
5. File Your Hail Damage Claim
Once you have prepared yourself to file your hail damage claim by collecting evidence, receiving an estimate, and contacting your hail damage attorney, it is time to file your hail damage claim.
When you file your hail claim, your insurance company will likely send out an insurance adjuster to examine the property damage in person. They will then calculate how much they perceive the total cost for repairs and replacements will be.
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Steps to Take if Your Hail Damage Insurance Claim Is Denied
If your insurance claim is denied, you have options. Policyholders are guaranteed certain rights, such as challenging the denial of your claim and requesting a reevaluation.
When your hail damage claim is denied, they will send you a letter that states the denial and will explain why they have denied your claim. Read over this letter carefully and make sure that you understand their reasons for denial.
Collect evidence to refute their reasons for the denial, and make sure you do not have any outstanding balances with your insurance company.
Next, contact your Florin|Roebig insurance claims lawyer and request their assistance in resubmitting your claim with your insurance company. If they still deny your claim, your attorney will be able to take the next necessary legal steps.
Why Hire an Aurora Hail Damage Lawyer?
Property owners in Aurora, Colorado may want to consider hiring an attorney for hail damage to help with insurance claims, the claims processes, and making sure policyholders get fair compensation.
Overall, people who file claims, such as personal injury claims, have a greater chance at receiving a settlement when they work with an attorney than those who don’t.
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Find High-Quality Aurora Hail Damage Attorneys
Having your property damaged can be overwhelming and stressful. Receiving a rightful insurance payout should not be one of the things you worry about.
Residents of Aurora, Denver, Cherry Creek, Colorado City, Lakewood, and more have access to our Florin|Roebig Colorado hail damage lawyers.
At Florin|Roebig, we take pride in winning our clients the best settlements possible for their cases, and we can help you too. If you need a hail damage attorney in Aurora or the surrounding areas, call the Florin|Roebig law firm today.
Aurora Hail Damage Attorney FAQs
Does hail damage raise homeowners insurance rates in Aurora?
No, in Colorado state insurance law claims hail damage is not the fault of the homeowner and that they could not have prevented the damage.
Who pays for hail damage to a home or business in Colorado?
Insurance companies in Colorado are responsible for repairing or replacing property damage due to hail. The amount of compensation you receive will depend on your type of insurance coverage.
Can you sue your insurance company if they deny your hail damage claim?
Yes, according to Colorado law, denying a rightful insurance claim could be malpractice. An insurance company has a duty to act reasonably on an insurance claim or face being sued for insurance bad faith and breach of contract. Contact Florin|Roebig for legal advice today.
