Colorado Springs Hail Damage Claims Lawyer The law offices of Florin|Roebig are experienced and ready to help you navigate your hail damage insurance claim. With nearly four decades of successful claims for homeowners, Florin|Roebig law firm has you covered. Homeowners Insurance for Colorado Springs Hail Damage Hail and wind combined can cause massive amounts of property damage. Roofs, chimneys, siding, and windows are vulnerable to the destructive nature of a hail storm. Colorado property owners can be prepared with the proper insurance coverage. The typical cost of homeowners insurance in Colorado Springs, Colorado is around $259 a month, or $3,104 a year. Who Is Responsible for Hail Damage to Colorado Homes? Depending on your type of coverage, insurance companies will be responsible for the cost of any damaged property that may occur in a hail storm. Actual Cash Value (ACV) is the actual replacement cost for the damaged property minus the depreciation of value that your property already had for wear and tear. You will be responsible for paying the difference. Replacement Cost Value (RCV) is the amount it will cost to replace any of the damaged properties. You may have to prove to your insurance provider that you have repaired the damage in order to receive the full amount. About Hail Insurance Deductibles in Colorado Springs Insurance policies will pay varying amounts to repair or replace any damaged property for your Colorado Springs home or business, but you usually have to pay some of the cost yourself. This is called a deductible. It is important to know that there are usually different deductibles for wind and hail damage. To find your deductible, review your insurance policy or call your insurance company representative. Hail Insurance Claims Requirements Hail insurance claims can be complicated and difficult to navigate, which is why hiring a Colorado Springs hail damage attorney can be very beneficial. Take pictures and videos of the damage to show that it was caused by hail. Insurance companies require irrefutable proof that damage has been done by the hail or wind, and only that. If your home was damaged by wear and tear or lack of maintenance, your insurance company may not cover your claim. Types of Hail Damage to Colorado Springs Homes Hail storms can cause quite a bit of damage to a home. This damage, if not caught in the early stages, can lead to costly repairs and replacements in the future. Some of this damage can include: Roof damage: dents and cracks in your shingles, broken tiles, torn or missing asphalt shingles, and bruised, softened shingles. Hail damage to your chimney and vents: leaks and future water damage. Window damage: cracks, chips, torn screens, cracked glazing, and broken glass. Siding damage: cracks, holes, loss of flexibility in vinyl siding, peeling paint, and dents to metal siding Gutter damage: dents, loosened screens and downspouts (which can lead to water leaks that cause foundation issues if not taken care of quickly) Air conditioner system damage: hail damage to fins can restrict air flow, causing your house to warm up. The blades and fins of your unit can also be dented. What to Do for Colorado Springs Home or Business Hail Damage If your home or business has been through a hail storm in Colorado, there could be serious damage involved. It is crucial after a hail storm to record and assess any storm damage that has occurred and fix anything that has been damaged. You can take this time to gather the evidence and prepare yourself for filing either a hail damage or wind damage claim. 1. Document the Damage In order to document hail damage, you can take photos and videos of anything that has been affected by hail. This includes damage to your roof, such as torn shingles, damaged siding, water damage, broken windows, and anything else that may have been damaged. This step is of utmost importance to prove to the insurance company that the damage was in fact caused by hail and not by normal wear and tear. 2. Review Home Insurance or Business Insurance Coverage The next step is to review and familiarize yourself with your insurance coverage. Remember, there is more than one type of claim: Actual Cash Value and Replacement Cost Value claims. Make sure you understand which type of insurance policy you have and what that means. 3. Get a Third-Party Repair Estimate You will need to seek an independent third-party contracting company or roofer to come and review the damage to your home. They will assess what has been done by the hail storm and give you an estimate of how much repairs or replacements will cost. 4. Seek Help from a Colorado Springs Hail Damage Attorney Get assistance from a Colorado Springs hail damage attorney to navigate the insurance claims process. They can help you understand what paperwork must be filed, filing deadlines, and provide legal advice. Plus, a hail damage attorney can ensure that your insurance company fairly compensates you for the damage done by the hail storm. 5. File Your Hail Damage Claim After you have gathered all the evidence of hail damage, reviewed your insurance policy, sought a third-party estimate, and got the help of a hail damage attorney, it’s time to file the hail damage claim. Make sure that you carefully fill out any paperwork regarding your business or personal property that they give you and turn it in as soon as possible. The timing of the filing of your claim is crucial. 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Find out if you have a case we could help you win Speak To a Specialist Steps to Take if Your Hail Damage Insurance Claim Is Denied In the event that your hail damage insurance claim is denied, it is important to take immediate action. As a policyholder, you are entitled to certain rights, such as contesting the claim denial. One of the first things you need to do if your claim has been denied is to go over the rejection letter thoroughly. Make sure you understand the reasons your claim has been rejected, then gather proof to refute those reasons. Make sure that you are up to date on any balances that you may have and to gather the documentation from the filing of the claim. Any documentation of communication with the insurance adjuster will also be necessary. After you have gathered all of the information and documentation, contact your insurance company and request a re-evaluation. If they again deny your claim, find a reputable attorney’s office that specializes in hail damage and ask for a consultation on your case. Why Hire a Colorado Springs Hail Damage Lawyer? Navigating the world of hail and wind damage insurance claims can be confusing, complicated, and often exhausting. Every little detail is vital when you are filing a hail damage claim; missing one thing can lead to rejection. Hiring an experienced Colorado Springs hail damage lawyer from the beginning can be beneficial, even if your claim is accepted. An experienced hail damage attorney can make sure everything that needs to be done gets done in a timely manner. We Are Nationally Awarded Lawyers Find High-Quality Colorado Springs Hail Damage Attorneys Insurance claims can be stressful when you are already dealing with the damage caused by a hail storm. Insurance companies may try to give you the runaround in order to prevent having to pay to replace or repair the damage. With four decades of experience and over $1 billion in case awards, Florin|Roebig is recommended not only by their clients but by other law firms as well. We specialize in fighting for unpaid natural disaster claims as well as personal injury law. If you are struggling with your insurance company, contact the Florin|Roebig law firm today to learn how we can help. Colorado Springs Hail Damage Attorney FAQs Does hail damage raise homeowners insurance rates in Colorado Springs? No, generally insurance companies will not raise your rates due to hail damage. Insurance companies usually see hail damage as something out of your control. Who pays for hail damage to a home or business in Colorado? In the state of Colorado, depending on which type of coverage you have, your insurance company will pay either a partial amount or the full amount of the repairs or replacements needed. Can you sue your insurance company if they deny your hail damage claim? Yes, Colorado law states that if your insurance carrier fails to respond reasonably to your claim, you have the right to sue them for an insurance bad faith breach of the insurance contract. If you need legal advice, call Florin|Roebig today for a free consultation.
