Hail damage Archives

As hail season approaches, property owners face a critical decision: should they proactively inspect their property for potential damage, or wait until after a hailstorm wreaks havoc? Learn why scheduling pre-hail season inspections is not just advisable, but imperative. From protecting your investment to getting timely repairs, the benefits of early detection are endless.

Why Pre-Hail Season Inspections Matter

Proactive Protection Against Future Damage

By conducting a thorough inspection before hail season commences, property owners can identify and address pre-existing damage. This proactive approach not only mitigates the risk of existing issues but also fortifies the property against future damage.

Gaining a comprehensive inspection report from a professional provides property owners with a clear understanding of their property’s condition, empowering them to make informed decisions regarding repairs and maintenance. This invaluable resource serves as a roadmap for safeguarding their investment and ensuring long-term resilience.

Insurance Coverage and Claims Success

Insurance policies often stipulate that claims must be filed within a specified timeframe following a weather event. By documenting pre-existing damage through a professional inspection, property owners set themselves up for success in the event of future damage. To learn more about the importance of early detection, read our blog: When Should I File a Claim?

Understanding the Impact of Hail Damage

Hail damage isn’t always immediately apparent to the untrained eye. While large hailstones may cause obvious dents and fractures, smaller impacts can go unnoticed, gradually compromising the integrity of your property over time. Learn more in our blog: The Impact of Hail: Understanding Size, Formation, and Damage

The Ripple Effect on Property Value

Undetected hail damage can significantly diminish the value of your property. Left unaddressed, minor issues can escalate into major structural concerns, leading to costly repairs and depreciation.

Leveraging the Knowledge of Professionals

Professional inspectors, like those at Premier Claims, possess the knowledge and tools necessary to detect even the most subtle signs of hail damage. From roofing to siding, their thorough examination can uncover hidden vulnerabilities that may otherwise go unnoticed.

The Long-Term Impact of Neglecting Pre-Hail Season Inspections

Structural Compromise and Safety Hazards

Failure to address pre-existing damage can compromise the structural integrity of your property, posing safety hazards to you and your visitors. From weakened roofing materials to compromised support structures, the consequences of neglecting inspections can be severe.

Escalating Repair Costs

Delaying property inspections can lead to minor issues snowballing into major repair projects. As damage accumulates over time, the cost of repairs can skyrocket, placing an unnecessary financial burden on property owners. Additionally, insurance premiums may increase if damage is left unaddressed, further exacerbating the financial strain.

Opting for pre-hail season inspections isn’t merely a precautionary measure; it’s a proactive investment in preserving the longevity and value of your property. By detecting and addressing pre-existing damage early on, property owners can fortify their property against the destructive forces of nature and enjoy greater peace of mind knowing that they’re prepared for whatever the weather may bring.

Don’t wait until it’s too late. For more information about property inspections and our claims management services, we invite you to connect with our team today to schedule your pre-hail season inspection.

Legends of St. John Condos

Augustine, Florida
Hail Damage

Prior to our involvement, the insurance carrier was only willing to cover the bare minimum for patchwork repairs on the roof. We conducted a thorough inspection and presented a compelling case to the insurer, complete with evidence to support a more comprehensive settlement. This included code upgrades, material matching, overhead & profit, and residential supervision costs. Initially, the insurance carrier offered a more reasonable estimate of $1,820,000, but later withdrew it, attempting to reduce the settlement. Undeterred, we fortified our claim with exhaustive documentation and expert legal counsel, ultimately securing a final settlement of $2,275,000.

Insurance Carrier Offer: Minimum Patch/ Repairs

Premier Claims Settlement: $2,275,000

Is your property at risk of hail damage?

Knowing how to identify hail damage and the signs can save you time, money, and a lot of headaches.

Our expert team has put together an invaluable video guide that walks you through the process of how to identify hail damage on your property. From common indicators to safety precautions and essential tools, this video is a must-watch for anyone concerned about the integrity of their property following a hailstorm. Don’t miss out on these expert insights—watch now to protect your investment!

https://www.youtube.com/watch?v=US8M-_aZEUM

For more articles related to hail damage, check out the following:

The Impact of Hail: Understanding Size, Formation, and Damage

Importance of Acting Promptly After a Date of Loss

Ever wondered what goes into a scope inspection for hail damage?

Our latest video guide takes you behind the scenes of this critical process. Conducted by our team of seasoned experts, the scope is designed to identify all forms of hail damage on your property—from dented metal surfaces and cracked windows to damaged roofing materials. We’ll walk you through how the inspection is carried out, the types of hail damage we’re looking for, and the advanced tools we use to ensure nothing is overlooked.

Don’t leave your property’s health to chance; watch now to understand how a thorough scope can protect your investment.

For more articles related to hail damage, check out the following:

The Impact of Hail: Understanding Size, Formation, and Damage

Importance of Acting Promptly After a Date of Loss

How to Identify Hail Damage

RL Wilson Family Farms

Montgomery, Indiana
Hail Damage
May 2022

Before a claim was even filed, our team stepped in, effectively neutralizing any attempts by the insurance carrier to delay or underpay the claim. We carried out inspections of the property, both day and night, and assembled a comprehensive damage estimate for every asset involved. To speed up the process, we transparently shared all our findings with the insurance carrier, who initially estimated the claim at $1,892,000 based on our information. Not satisfied, we swiftly countered with precise costs for materials and labor, successfully elevating the settlement to an impressive $2,058,000—all in under 4 months.

Insurance Carrier Offer: $1,892,000

Premier Claims Settlement: $2,058,000 in 4 months

Sanoh America Distribution Facility

Archbold, Ohio
Hail & Wind Damage | May 2022

The expansive 223,000 square-foot distribution facility experienced significant hail and wind damage, resulting in a small portion collapse. The insurance carrier enlisted an engineer to refute the more extensive hail damage, dismissing it as merely cosmetic and initially only approved repairs for the collapsed section. At this time, our team was brought on and we began to gather evidence from comprehensive on-site investigations, demonstrating the long-term repercussions of neglecting the full extent of the damage. Within six months, these efforts resulted in a reversal of decision to a full roof replacement. In addition, we were able to show historical storm activity that had impacted the building within the policy terms for more accurate dates of loss, as well as reimbursement for business interruption and loss of contents. Thanks to our diligent efforts, we successfully secured an additional $3.9 million in claim settlements.

Insurance Carrier Offer: $1,985,000

Premier Claims Settlement: $5,893,000

Dino’s Storage

Des Moines, Iowa
Hail Damage
March 2022

After the insurance company denied the initial claim, they were reluctant to conduct an on-site joint inspection, basing their decision on an incomplete assessment by an independent adjuster. Recognizing the oversight, we presented compelling evidence and our own detailed estimate to the insurance carrier. This led to an on-site joint inspection and a complete turnaround. We successfully negotiated full replacements for roofs and doors across all structures, and even secured private security to safeguard patrons’ belongings during the construction phase.

Insurance Carrier Offer: Complete Denial

Premier Claims Settlement: $1,247,000

Edwards Electrical & Mechanical

Indianapolis, Indiana
Hail & Water Damage
January 2022

Facing an insurance carrier that was only willing to approve minor spot repairs and attribute the issues to old damage, our team swung into action. Leveraging detailed evidence from our on-site investigations, along with storm data and policy coverage specifics, we successfully negotiated a complete roof replacement. This victory not only addressed the immediate concerns but also furnished the policyholder with a brand-new, warrantied roof.

Insurance Carrier Offer: $8,990

Premier Claims Settlement: $2,039,000

Garner Industries

Lincoln, Nebraska
Hail & Wind Damage
December 2021

Our team stepped in after the initial claim had already been filed with the insurance carrier. Following a deep-dive investigation and thorough research, we discovered previously overlooked damage to another section of the roof. We also pinpointed a more accurate date of loss that aligned better with favorable deductible terms. After fine-tuning the claim and negotiating up-to-date costs for materials and labor, we achieved a 570% increase in the claim’s value—all within just 5 months.

Insurance Carrier Offer: $162,000

Premier Claims Settlement: $1,085,000

Why Pre-Hail Season Inspections Are Vital: Protect Your Property