Florin|Roebig has successfully won over $1 billion in case awards for their clients and is experienced in fighting for unpaid damage claims for property owners in Colorado cities such as Aurora, Broomfield, Boulder, Colorado Springs, Denver, Pueblo, and more.
Homeowners Insurance for Boulder Hail Damage
Boulder, Colorado, is used to having storms, some of which can be very destructive. Hailstones can cause massive amounts of damage to outside property and homes. In order to be prepared for these events, Colorado residents should hold homeowners insurance for their property.
In Boulder, Colorado, the yearly premium for homeowners insurance is $2,171. This comes out to about $180.92 a month.
Who Is Responsible for Hail Damage to Boulder, Colorado Homes?
In Boulder County, Colorado, insurance companies are responsible for paying for the repairs that are needed after a natural disaster, such as a tornado or hail storm. The amount that your insurance provider will pay, however, will depend on your coverage.
There are two possible types of coverage: Actual Cash Value (ACV) and Replacement Cost Value (RCV). ACV will cover the cost of your replacement minus the depreciation value of your property for wear and tear. RCV will pay for the entire cost of repairs and replacements.
About Hail Insurance Deductibles
Insurance companies will typically pay for repairs and to replace any property that has been damaged in Boulder, Colorado. Your insurance will typically pay a portion of the cost, but you will be required to pay the remainder; this is called the deductible.
There are generally different deductibles for wind and hail damage, so it is important to review your insurance policy to understand what your deductible will be. Insurance representatives are also available to assist you with questions you may have regarding your deductible.
Hail Insurance Claims Requirements
Hiring a Boulder, Colorado hail damage attorney can be beneficial when it comes to navigating the requirements needed for filing a claim. This is often a stressful and confusing time for homeowners, and an attorney can make it a little easier to understand.
Insurance companies will want irrefutable proof that the damage to your home or commercial property was caused by hail, not by ordinary wear and tear. You can give your insurance provider evidence via pictures, videos, and paperwork, such as receipts for repairs.
Types of Hail Damage to Boulder Homes
Storms in Colorado can be especially damaging. These storms cause not only water damage or hail damage but devastating wind damage as well. Anything exposed to the elements can be damaged from a storm.
Common hail damage to roofs includes chipped, torn, and missing asphalt shingles. Dents, holes, and fractured roof tiles are also possible in storms. Your gutters and downspouts can be knocked loose, have their screens ruined, and be dented as well.
Air conditioner units are also vulnerable to hail storms. If the fins of your AC unit are damaged, it can restrict the airflow into your home, causing your home to heat up. Damage can also be done to your unit’s blades and fins.
Windows, even those that have been reinforced, can be damaged by wind and hail. The glass can be cracked, dented, shattered, and scratched. The screen for your window can be dislodged and torn.
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What to Do for Boulder Home or Business Hail Damage
The aftermath of a hail storm can be very chaotic and overwhelming. It is stressful enough to see the damage and know that repairs are going to have to be made without worrying about what your insurance company is going to do.
It is important to begin gathering evidence of hailstone damage to your personal or business property right away. The sooner you file your insurance claim, the better.
1. Document the Damage
The very first thing to do is document any damage that has been done by hail. This includes roof damage, like dented and torn shingles, loosened downspouts, and broken windows — any damage caused by the storm needs to be videoed or photographed.
This is the most important step, because you need to prove the damage is not from normal wear and tear, which will not be covered by your insurance provider.
2. Review Home Insurance or Business Insurance Coverage
Take this time to review your insurance policy carefully. Do you know what type of coverage you have? Understanding this now, before you call your insurance company, can save you a lot of time and trouble.
Remember, there are two different types of coverage: Actual Cash Value and Replacement Cost Value.
3. Get a Third-Party Repair Estimate
An important step in filing a property damage claim is making sure you get an opinion from a third-party contractor, such as a roofer. They will have someone come to your home and inspect the damage, then give you an estimate for how much the repairs or replacement will cost.
Add this estimate to the rest of the documentation that you will be providing for your insurance company. This will help them determine the validity of your claim.
4. Seek Help from a Boulder Hail Damage Attorney
Hiring a hail damage attorney from the very beginning of your claims journey can be very beneficial. A property insurance attorney knows the ins and outs of dealing with insurance companies and their likelihood to try and deny your claim or lower your payout amount.
Hail damage lawyers also understand how important filing deadlines can be and how meticulously the paperwork will be looked over. Hiring an attorney can help ensure your claim is not denied due to a mistake.
5. File Your Hail Damage Claim
Once you have documented any roof and water damage, have looked over your insurance claim, have received a third-party opinion, and hired a hail damage attorney, it is time to file your hail damage claim.
Make sure you have carefully looked over your paperwork and have all of your documentation in order when you file your claim.
An insurance adjuster will likely be sent to look at the damage in person and give the insurance company their estimate of what repairs or replacements will cost.
Steps to Take if Your Hail Damage Insurance Claim Is Denied
Unfortunately, not every claim goes smoothly, and sometimes insurance carriers deny claims. If your claim is denied, do not panic, you have options. As a policyholder, you have rights that are guaranteed, such as contesting the claim denial.
The insurance company will send you a letter officially denying your claim, and they will state their reasons for doing so. Read this letter carefully and thoroughly, and make sure you understand their reasons for denying your hail damage claim.
Collect as much evidence as you can to refute their reasons for denial, and hire an attorney at Florin|Roebig to help you ask your insurance provider and request them to reevaluate your claims case.
Why Hire a Boulder Hail Damage Lawyer?
Having to deal with storm damage can be stressful enough on its own, but once you start to deal with insurance providers, things can get much more complicated. It can be very helpful and beneficial to hire a Boulder hail damage lawyer from the very beginning.
Even if your claim is accepted, there is still a lot of paperwork that must be filled out carefully and without mistakes and deadlines that must be adhered to. Hail damage lawyers are invested in making sure you meet all the requirements in order to receive what you are owed.
They will also not back down from insurance companies that are not acting in good faith.
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Find High-Quality Boulder Hail Damage Attorneys
If you have been through a hail storm, you could have lots of damage to your property. The damage alone can be stressful and overwhelming to deal with, and if your insurance company is not cooperating, you could be confused about your options.
At Florin|Roebig, we have nearly four decades of experience, with positive testimonials from not only our clients but other law firms as well. We will fight to make sure you get what you are owed. Contact us today for a free case evaluation.
Boulder Hail Damage Attorney FAQs
Does hail damage raise homeowners insurance rates in Boulder?
No. Generally, in Colorado, hail damage is seen as something that is beyond the property owner’s control, and they could not have prevented it.
Who pays for hail damage to a home or business in Colorado?
In Colorado, insurance companies are responsible for paying for hail damage that has occurred to a home or business. The amount they pay will depend on the type of coverage you have.
Can you sue your insurance company if they deny your hail damage claim?
Yes. According to Colorado law, if an insurance company fails to act reasonably on your claim, you have the right to sue for an insurance bad faith breach of the contract with the policyholder. Florin|Roebig is available for legal advice if you are struggling with your insurance company.
