For over 40 years, the Florin|Roebig law firm has assisted clients with filing hail damage claims. If the claims process has you overwhelmed, allow Florin|Roebig to assist you with a free case evaluation today.
Homeowners Insurance for Denver Hail Damage
Although having homeowners insurance is not required in Colorado unless you have a mortgage, it is a good option for those who live in this hail-prone state.
For those who are interested in getting insurance, the typical cost of homeowners insurance in Denver, Colorado is $259 a month.
Who Is Responsible for Hail Damage to Denver, Colorado Homes?
In Colorado, your insurance provider is responsible for covering the cost of repairing or replacing any property that has hail damage. This depends on if you have an Actual Cash Value (ACV) or a Replacement Cost Value (RCV) policy.
An ACV policy will pay to fix or replace any property damage, however, they will subtract compensation due to age, wear, and tear. An RCV policy will pay to repair or replace any property damage, without subtracting any compensation.
Hail Insurance Deductibles in Denver, Colorado
Usually, insurance companies will pay a portion of the amount required for fixing and replacing damage to your personal or business property. The rest of the balance for repairs or replacement is up to you.
The difference between what the insurance company will pay and what is needed for damages is called the deductible and is the policyholder’s responsibility.
Hail Insurance Claims Requirements
Insurance companies can be inflexible when it comes to filing a hail damage claim. Hiring a Denver property damage lawyer can be helpful when you are trying to navigate the claims process.
When you file a claim, your insurance provider will want evidence that the damage that has occurred to your home could only have been done by hail. You can do this by taking pictures and videos of any damage that you see.
Types of Hail Damage to Denver Homes
Hail storms can be catastrophic for property owners in Denver, Colorado. Hailstones can be large and cause damage to anything that has been left exposed.
Hail can cause serious roof damage. This can look like dented, cracked, torn, and missing shingles. Other damage can include the weakening of asphalt shingles, which can make them bruised and softened. This can lead to water leaks if it is not taken care of quickly.
Downspouts, chimneys, and gutters are also vulnerable to damage from hail storms. They can be loosened, dislodged, and cause water damage which can lead to future foundation problems.
The windows of your house can be damaged by hail. Broken, shattered glass can result, as well as chips, torn screens, and cracked glazing. Be very careful when handling any broken glass, which can be sharp.
Your air conditioner unit can also be damaged. The fan blades and fins of your unit can be dented and bent, causing a restriction in airflow which can cause your house to warm up.
What to Do for Denver Home or Business Hail Damage
If your home or your business has been through a hail storm, it can be stressful to see the damage. It can be even more overwhelming to deal with your insurance company.
This is why it is important to collect evidence of damage from the storm as soon as you can. Taking the time to gather proof can help you prepare yourself for filing a wind damage or hail damage claim.
1. Document the Damage
Your insurance carrier will want irrefutable proof that damage to your home was caused by hailstones. You can gather proof by taking pictures and videos of anything that was hit, dented, or shattered by hail.
Take pictures or videos of any siding, window, or roof damage. This evidence can be torn and missing shingles, broken windows, dents in the siding, and anything else that was hit by hail. Document any water damage caused by the storm.
2. Review Home Insurance or Business Insurance Coverage
Next, you need to go over your insurance policy and take time to remind yourself what your policy entails before you call your insurance company.
Make sure you understand which type of coverage you have, Actual Cash Value or Replacement Cost Value, and what this means for your hail claim.
3. Get a Third-Party Repair Estimate
You will need the opinion of a third-party roofer or contractor. They will send someone to come review your home’s damage, and give you an estimate of what they expect it will take to repair or replace the damage.
This is important information you will need to give your insurance company when you file your property damage claim.
4. Seek Help from a Denver Hail Damage Attorney
Most people are familiar with hiring an attorney for accidents or legal issues, but may not be aware of insurance attorneys.
There are important filing deadlines and paperwork that cannot be missed. You may benefit from hiring an attorney if you need to file a property damage insurance claim.
Insurance lawyers respect the attorney-client relationship and are ready to do what they can to get you the payout you deserve for damage to your home.
At Florin|Roebig, we work on a contingency fee basis, meaning we will not get paid if we do not win your case. Contact us today for a free consultation about your claim.
5. File Your Hail Damage Claim
After gathering evidence, receiving a third-party estimate for the damage to your personal or business property, and hiring a hail damage lawyer, you’ll want to call your insurance company.
Take your time filling out the paperwork, and make sure you have not missed or left anything out. It is very important that you get the paperwork for your claim filed as soon as possible.
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Steps to Take if Your Hail Damage Insurance Claim Is Denied
If your insurance claim is denied, do not panic — you have options. As a policyholder, you are guaranteed certain rights, such as requesting a review of your claim denial. Timing is critical and the sooner you act, the better.
The first thing you need to do is to carefully read over the rejection letter. Once you have located the reasons for rejections and understand them, make sure you collect proof that refutes these reasons.
Gather the documentation from the insurance adjuster, who was sent to review the damage in person. Take care to make sure that any account balances have also been paid. Unpaid balances may affect your claim.
Once you have proof to refute the claims, contact your insurance provider and request a re-evaluation of your claims case. If they still deny your hail damage claim, contact a reputable insurance claims lawyer and request a consultation.
Why Hire a Denver Hail Damage Lawyer?
If you are dealing with an insurance company, it can be stressful, confusing, and oftentimes exhausting. Insurance companies scrutinize every detail of your paperwork, and missing one small thing, or being late with filing, can lead to a rejected hail damage claim.
Even if your claim is accepted, hiring a Denver hail damage lawyer can make this already difficult time easier, as they will handle the important deadlines and paperwork filing for you.
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Find High-Quality Denver Hail Damage Attorneys
If your home or property has been damaged by a hail storm, there are many things to think about. Handling the insurance claim when you are already overwhelmed can be a nightmare.
At Florin|Roebig, we have experience in many practice areas, including personal injury law, car accident cases, property insurance law, and more. With positive testimonials from not only clients but other law firms, our hail damage attorneys are ready to help you with your claim.
When you need to file a hail damage claim, contact Florin|Roebig attorneys today.
Denver Hail Damage Attorney FAQs
Does hail damage raise homeowners insurance rates in Denver?
No, in Colorado, hail damage is considered beyond a homeowner’s control and therefore they are not penalized.
Who pays for hail damage to a home or business in Colorado?
Insurance companies are responsible for paying for hail damage to personal and business properties. The amount paid will depend on your type of coverage.
Can you sue your insurance company if they deny your hail damage claim?
Yes, according to Colorado law. Insurance companies who fail to act reasonably on an insurance claim can be sued for a bad faith insurance breach of the insurance contract. If you need legal advice about your insurance claim, contact Florin|Roebig today.
