Texas has experienced record-breaking hail storms in the past few years, with insured losses exceeding $1.1 billion. Texas frequently ranks as one of the hardest-hit states by hailstorms making them a significant burden for homeowners. This makes many homeowners wonder “Will my homeowners  insurance cover hail damage?” 

Hiring an attorney experienced in fighting insurance companies for hailstorm damage claims is important for ensuring your claim is properly handled, challenging unfair denials, and negotiating a fair settlement. An experienced attorney will navigate insurance policy complexities, maximizing your compensation.

What Types of Property Damage Can Hail Storms Cause?

Hail storms cause various types of property damage, including roof damage, window and siding damage, or damage to outdoor structures, depending on the severity of the storm. Damage from hail requires immediate attention to prevent further issues like water damage or weakened structural integrity.

Roof Damage

Hail can cause various types of damage to roofs, depending on the size and intensity of the hailstones. Shingles may crack, bruise, or become dislodged, leaving the roof vulnerable to water leaks. Asphalt shingles can lose granules, exposing the underlying material and reducing their lifespan. Tiles or metal roofing may also crack, dent, or develop punctures. In more severe cases, hail damage to roof flashing and gutters may lead to improper drainage and water damage. Over time, these issues can worsen if not addressed, leading to structural problems or mold growth inside the home.  Generally, most Texas homeowner insurance policies cover hail damage to a roof but exclusions may apply for older roofs or pre-existing damage. If you’re unsure, ask your insurance company about your policy details. 

Window and Siding Damage

Hail can cause significant damage to windows and siding. Window damage from hail may crack, chip, or even shatter upon impact, compromising the building’s insulation and security. Hailstones can also break window seals, leading to leaks and moisture buildup. For siding, hail can create dents, cracks, or holes, especially in materials like vinyl or aluminum. This damage can affect a home’s appearance and leaves it vulnerable to water infiltration, which can result in mold growth and structural deterioration if not repaired.

Damage to Outdoor Structures

Hail can cause damage to outdoor structures like fences, decks, gazebos, and sheds. Hailstones can dent, crack, or puncture materials like wood, vinyl, or metal, compromising the structure’s integrity and appearance. For wood structures, hail can cause splintering or chipping, while metal structures may become dented or bent. In severe cases, hail can damage the roof or walls of outdoor buildings, like sheds, leading to leaks and interior damage. Over time, this damage can worsen if not addressed, causing further structural issues and potential water damage.

Does Homeowners or Commercial Property Insurance Cover Hailstorm Damage?

Most homeowners and commercial property insurance policies cover Texas hailstorm damage. Standard policies usually provide coverage for damage to roofs, windows, siding, and other structures caused by hail. However, given Texas’s frequency of severe storms, some policies may have specific deductibles or limitations for hail and wind damage. In certain cases, you might face a higher wind/hail deductible separate from your general deductible. Review your policy for any exclusions related to hail damage to ensure you’re protected or contact your insurance provider for clarification.

What Steps Should I Take After Hailstorm Property Damage?

• Document Damage: Take photos and videos of all affected areas.

• Inspect Property: Check for visible and hidden damage, especially on the roof and siding.

• Make Temporary Repairs: Secure areas like broken windows to prevent further damage.

• Contact Insurance: Report the damage to your insurance company and provide documentation.

• Get Professional Estimates: Have a contractor assess the damage and provide an estimate.

• File a Claim: Filing an insurance claim for hail damage​ requires submitting the claim with all necessary documents and receipts.

• Keep Records: Maintain documentation of all communications and transactions.

How to Negotiate With Your Insurance Company After Hailstorm Damage

To negotiate with your insurance company after hailstorm damage, collect detailed documentation of the damage, including photos, videos, and professional estimates from contractors. Review your policy carefully to understand your coverage and deductible. When filing your claim, present all evidence and maintain communication with your insurance adjuster. If the initial settlement offer seems low, request a re-evaluation. Enlist help from an experienced attorney who is a skilled negotiator, if the offer is unfair.

Understanding the Different Types of Hailstorm Insurance Coverage

Understanding the types of hailstorm insurance coverage ensures you have the appropriate protection for your property in the event of hail damage.

• Standard Coverage: Covers damage to roofs, windows, siding, and outdoor structures.

• Wind/Hail Deductibles: Separate deductibles for hail damage, usually a percentage of the property’s value.

• Replacement Cost vs. ACV: Replacement cost covers full repair/replacement; ACV accounts for depreciation.

• Exclusions/Limitations: Some policies may limit or exclude hail damage, especially for older roofs.

Why Was My Hailstorm Insurance Claim Denied?

Your hailstorm damage insurance claim​ may have been denied for several reasons, such as insufficient evidence of damage, failure to file within the required time frame, or exclusions in your policy related to hail damage. Additionally, the insurance company may argue that the damage was due to normal wear and tear or pre-existing conditions rather than the hailstorm itself. Reviewing your policy and the denial reasons with a professional can help clarify your next steps.

How to Avoid Common Mistakes When Filing a Hailstorm Insurance Claim

To avoid mistakes when filing a hailstorm insurance claim, document all damage with photos and videos immediately after the storm. File the claim as soon as possible to stay within your policy’s time limits. Read your policy carefully to understand coverage details, deductibles, and any exclusions. Get professional assessments from contractors and avoid making permanent repairs before the insurance adjuster inspects the damage. Keep receipts, estimates, and communication with your insurer organized to avoid delays or issues with your claim.

How Can I Dispute a Denied Hailstorm Insurance Claim?

If your hail damage claim is denied​ and you want to dispute it, review the denial letter and your insurance policy to understand the reason for the rejection. Gather additional evidence to support your claim. Contact your insurance company to discuss the denial. If the issue isn’t resolved, hire a lawyer to negotiate on your behalf. Legal assistance may be necessary if insurance denied your hail damage claim unfairly.

Do Texas Insurance Policies Have Hailstorm Deductibles?

Many Texas insurance policies have separate hailstorm deductibles, especially in areas prone to severe weather. Wind/hail deductibles are a percentage of the insured property’s value, rather than a fixed dollar amount. This means homeowners may pay more out of pocket when filing a hailstorm damage insurance claim. Review your policy to understand the deductible and coverage details for hail-related incidents.

Can Hailstorm Damage Affect Your Home’s Property Value?

Hailstorm damage can affect your home’s property value, especially if the damage is significant and not properly repaired. Issues like roof damage, broken windows, or siding problems can decrease curb appeal and structural integrity, potentially lowering the resale value. Even if repairs are made, a history of hailstorm damage could lead to higher insurance costs for future buyers, which may also impact the property’s market value.

How Can a Lawyer Help With a Hailstorm Insurance Claim?

Grisham & Kendall lawyers are experienced in handling hailstorm insurance claims and litigation. We review your policy to ensure you understand your coverage, gather documentation to support your claim and negotiate with the insurance company on your behalf. If your claim is denied or the settlement is unfair, we advocate for a fair resolution, and if legal action is necessary, we guide you through the legal process to maximize your compensation. Call us today for a free consultation.