For residents of Aurora, Colorado Springs, Denver, Pueblo, and beyond, Florin|Roebig is here to help. If you have hail damage and need help with the claims process, contact Florin|Roebig for a free consultation for your case.
Homeowners Insurance for Pueblo Hail Damage
In the state of Colorado, homeowners are only required to have homeowners insurance if they still have an active mortgage. However, many residents of Pueblo, Colorado, find it better to be on the safe side and have homeowner’s insurance just in case.
If you are interested in getting insurance for your home in Pueblo, Colorado, you can expect to pay about $257 a month, or around $3,079 annually.
Who Is Responsible for Hail Damage to Pueblo, Colorado Homes?
In short, your insurance provider is responsible for hail damage to your home. The amount of your reimbursement for replacing or repairing any hail damage to your personal or business property will vary depending on the type of coverage you have.
An Actual Cash Value (ACV) policy will pay to replace or repair any property damage; however, they will subtract compensation for any wear and tear that may have occurred prior to the storm.
A Replacement Cost Value (RCV) policy will cover the total cost of repairs and replacements with nothing subtracted for wear and tear.
About Hail Insurance Deductibles
In most cases, your insurance company will pay for a portion of your claim for your personal or business properties. The rest of the cost of repairing and replacing your damaged property will be out-of-pocket and your responsibility; this is called a deductible.
Hail Insurance Claims Requirements
When you need to file a property damage claim, you should be aware that there is a difference between hail damage claims and wind damage claims. Hiring a Florin|Roebig attorney can ensure that you are filing the correct paperwork for the proper claim.
Insurance companies are notoriously inflexible when it comes to accepting insurance claims. You need to ensure you have all the evidence you can gather, including photos and videos of damage. Make sure you are on time with your claim; the sooner you file it, the better.
Types of Hail Damage to Pueblo Homes
Thunderstorms with hail may produce massive amounts of damage, which can lead to water damage if not fixed quickly. Hailstones can cause a lot of damage to any property left vulnerable to the storm, such as roofs and windows.
Roofing shingles are especially vulnerable to hailstorms. Roof damage can involve ripped, dented, chipped, and even missing shingles. Shingles can become damaged, which can lead to weakness and allow water inside.
Air conditioner units can be damaged by hail stones, causing bent, dented, and broken fins and fan blades. This can lead to increased temperatures inside the house.
Damage to your windows from a hailstorm can look like chips, cracks, fractures, and shattered windows. This causes extra concern for the safety of the residents, who can be injured by broken glass.
Your chimney, gutters, and downspouts are also vulnerable to storms with strong winds and hail. They can be dislodged, loosed, and even torn off. The screen on your gutters can be entirely removed and destroyed.
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What to Do for Pueblo Home or Business Hail Damage
When you have experienced damage to your home or business property due to a hail storm, it can be overwhelming to understand what steps you should take next.
The Florin|Roebig law firm has years of experience working with insurance companies, and they can walk you through it. Follow these steps to safeguard your home after hail damage and to jumpstart the hail damage claim process.
1. Document the Damage
Your insurance company will want irrefutable proof that the damage to your property was caused by hailstones and not by normal wear and tear.
You can give them this proof by taking pictures and videos of anything with damage, such as damaged shingles and broken windows.
2. Review Homeowners Insurance or Business Insurance Policies
It is essential to understand what type of insurance policy you have before calling your insurance company. Remember, different policies will have different deductibles and requirements.
Take this time to review your policy and make sure you have a clear understanding of it.
3. Get a Third-Party Contractor Repair Estimate
An important part of gathering evidence and information for filing your claim is to get a third-party opinion from a contractor, such as a roofer.
They will send someone to your home or business and examine the damage, then give you a quote for how much it will cost to make repairs or replacements as needed.
4. Seek Help from a Pueblo, Colorado Hail Damage Attorney
Whether your insurance claim is accepted immediately or is denied, hiring a Pueblo, Colorado, hail damage attorney can be highly beneficial.
Attorneys are knowledgeable about the deadlines and paperwork requirements of insurance companies and can walk you through the whole process, help you file on time, and ensure you get the highest amount possible for your claim.
5. File Your Hail Damage Claim
Once you have prepared yourself to file your claim, with pictures, videos, estimates, and your attorney, it’s time to file your hail damage claim.
Make sure you take your time filling out the paperwork to avoid any errors and make copies for your own personal files of everything you send to your insurance company.
Your insurance company will send out an insurance adjuster to see the damage in person. They will examine the damage and decide on how much it will cost your insurance company to repair or replace it.
Steps to Take if Your Hail Damage Insurance Claim Is Denied
If your hail damage claim is denied — do not panic. You have options available to you. When your insurance company denies your claim, they will send you a hardcopy version in the form of a letter. This letter will explain the reasons for denying your claim.
Take time to read over the letter, making sure you understand why your claim was denied. If there was insufficient evidence of damage, you could gather even more proof, such as up-close photos and another third-party opinion.
If you are up-to-date on your account bill and you have all the evidence you can gather, your Florin|Roebig hail damage attorney can help you request a reevaluation of your claim. It is your right as a policyholder to request a second look at a denied claim.
Why Hire a Pueblo Hail Damage Lawyer?
Florin|Roebig attorneys are available to help you across many areas of law, including insurance law.
The insurance claims process can be confusing and frustrating; hiring an attorney can help you alleviate that pressure from yourself so you can get back to your life. Many attorneys work on a contingency fee basis, so their attorney’s fees depend on winning your claims case.
The attorney-client relationship is valuable to us at Florin|Roebig, and we have years of experience fighting for and winning unpaid claims from insurance companies for our clients. Call our phone number today for a free consultation of your claims case.
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Find High-Quality Pueblo, Hail Damage Attorneys
If your personal or business property has been damaged by a storm with hail and damaging winds, you need to get the repairs and replacements done as soon as possible. At Florin|Roebig, we can ensure that your insurance company takes your claim seriously.
When your claim is denied or your settlement offer is less than you deserve, you need an attorney who will fight for your claim. If you need legal advice regarding your property insurance policy or hail damage claim, call Florin|Roebig attorneys today for a free case evaluation.
Pueblo Hail Damage Attorney FAQs
Does hail damage raise homeowners insurance rates in Pueblo, Colorado?
In short, no. Insurance companies consider storms with hail to be unavoidable for homeowners in Pueblo, Colorado. They will not penalize you for weather out of your control.
Who pays for hail damage to a home or business in Pueblo, Colorado?
Colorado law requires insurance providers to pay for any property, personal or business, damaged by hail. Disclaimer: The amount of compensation you will receive, however, depends on the type of coverage you have.
Can you sue your insurance company if they deny your hail damage claim?
Yes, in Colorado you can sue your insurance company for insurance bad faith for breach of contract with the policyholder. Insurance companies are required to act reasonably on all claims, failing to do so leaves them open to legal action.
Contact the attorneys at Florin|Roebig for assistance with your insurance claim today.