2024 felt like a scene out of a disaster movie for property owners across the United States. Relentless hailstorms—with some producing record-breaking hailstones over six inches in diameter—battered properties and overwhelmed insurers. While the physical damage was evident, the financial fallout, particularly rising insurance premiums, continues to burden property owners.

Here’s how the 2024 hail season reshaped insurance premiums and what property owners need to know.

2024 Hailstorms by the Numbers: The Devastation in Context

The 2024 hail season left billions of dollars in damages in its wake. NOAA’s preliminary data highlights that hailstorms in key states, including Texas, Nebraska, and Oklahoma, caused significant destruction. Texas alone reported hailstones exceeding 6.4 inches in diameter during a May storm—one of the largest hailstones recorded in the U.S. this year.

In Nebraska, hailstorms ravaged both urban and rural areas, with agricultural losses compounding property damage costs. Nationwide, damages from hail-related storms contributed significantly to the year’s $23 billion in insured severe storm losses.

The sheer volume of claims has not only stressed insurance carriers but also prompted discussions about how to price future risks effectively. To learn more about how the increase of natural disasters has been impacting premiums, read our full blog: Is Insurance A Fading Safety Net?

Why Are Premiums Rising After the 2024 Hail Season?

The connection between hailstorms and rising premiums isn’t new, but the 2024 season has pushed insurers to adopt even stricter measures. Here’s why:

1. Unprecedented Claims Payouts

With 2024 producing some of the largest hailstorms on record, insurers faced an overwhelming volume of claims. NBC News reported, “So far this year in the U.S., thunderstorms have been responsible for about $61 billion in economic losses, according to Bowen. Hail was likely responsible for between $31 billion and $49 billion of that total. In the same period, tropical storms and flooding together have accounted for $14 billion in losses.”

2. Rising Repair Costs

The cost of repairs has surged, fueled by inflation and material shortages. Roofing materials, a frequent victim of hail damage, saw price increases of over 20% in 2024, while labor shortages consequently slowed repair times. These factors have driven up claim costs, prompting insurers to adjust premiums accordingly.

3. Advanced Risk Modeling

Insurers are relying on updated climate models that predict increasingly severe hailstorms in the future. These models influence underwriting practices, resulting in higher premiums for properties in hail-prone regions. Even though hailstorms “cause more monetary damage annually than tornadoes, on average, research on the former had stalled until recent advances in radar and weather modeling,” Evan Bush, NBC News. Several institutions plan to conduct field studies around hailstorms and their growing intensity.

How Premium Hikes Are Affecting Property Owners

Property owners in hail-prone areas are already feeling the financial sting. Texas consistently leads the nation in billion-dollar weather disasters, driving property insurance costs to unprecedented levels.

- - Stricter Policy Terms: Policyholders may also encounter changes such as higher deductibles for hail damage, exclusions for cosmetic repairs, or coverage limits. This has left some homeowners vulnerable as they scale back coverage to keep premiums manageable.
  - Underinsurance— A Growing Concern: Rising premiums are driving underinsurance, with property owners opting for reduced coverage or higher deductibles. This trend could leave many underprepared for the next hailstorm season. To learn more about underinsurance, read our blog, Are You Underinsured?

To find out if there are any gaps in your coverage, submit your insurance policy for review today!

What Can Homeowners Do to Navigate These Changes?

While rising premiums are challenging, property owners can take proactive steps to help mitigate the financial impact, for example:

1. Invest in Impact-Resistant Materials

Opting for impact-resistant shingles or metal roofing can qualify homeowners for discounts. These materials reduce the likelihood of severe hail damage, lowering the risk for insurers.

2. Conduct Regular Policy Reviews

Regularly reviewing your insurance policy with a qualified professional can help identify coverage gaps and potential savings. This ensures you’re adequately protected at the least amount of cost possible.

3. Work with a Public Adjuster

If your property sustains hail damage, consider working with a public adjuster like Premier Claims. Public adjusters can help maximize your settlement and help ensure you’re compensated fairly for all damages.

4. Advocate for Legislative Action

Collaborating with state governments to establish reinsurance programs or stabilization initiatives can help mitigate premium hikes for hail-prone communities.

A Glimpse into the Future: Will 2025 Be Any Better?

Early forecasts suggest that 2025 may bring similar challenges, with weather models predicting another active hail season. Property owners can take proactive measures now, from upgrading roofing to revisiting their insurance policies, to prepare for the next round of storms.

The 2024 hail season underscored the need for property owners to stay informed and proactive. Rising insurance premiums are a direct response to the staggering costs of hail damage, but there are steps you can take to minimize the financial burden. Whether it’s through impact-resistant upgrades, policy reviews, or public adjuster services, preparation is key to weathering the storm—both literally and financially.

30 Days After Hurricane Milton

What Your Insurance Carrier Should Be Doing—What You Can Do

It’s been a month since Hurricane Milton swept through our lives, leaving damage, heartbreak, and countless homes and businesses struggling to rebuild. In the aftermath, you might have filed a Hurricane Milton claim expecting prompt support. But here we are—30 days in—and you might still be waiting. So, what exactly should your insurance carrier be doing right now? And what steps can you, as a policyholder, take to keep your recovery on track?

1. Your Insurance Carrier’s Obligations Under Florida Law

Florida law sets clear expectations for how insurance carriers are supposed to handle hurricane-related claims. They outline specific timeframes for communication, inspections, and claim decisions. For a complete overview of “Insurer’s duty to acknowledge communication regarding claims; investigation,” refer to Florida Statute 627.70131. Some of these timelines include:

- - Claim Acknowledgment: An insurer should acknowledge receipt of your communication within 7 calendar days, unless payment is made within that period or factors beyond the insurer’s control prevent acknowledgment.
  - Adjuster Inspection: After you’ve submitted your proof-of-loss statement, your insurance carrier has 30 days to send out a licensed insurance adjuster to inspect the damage on your property, if such investigation involves a physical inspection of the property.
  - Claim Decision: An insurer must pay or deny a property insurance claim within 60 days of receiving notice, unless delays are due to factors beyond the insurer’s control, and must provide a written explanation for the decision.

The Florida Department of Financial Services and The Florida Senate have provided a detailed list of a policyholder’s rights during the claim process post-hurricane. It’s important that you not only know your rights as a policyholder but that your insurance carrier does its best to abide by their obligation.

2. Proactive Steps You Can Take to Strengthen Your Claim

If your insurance carrier is behind on these obligations, it’s time to take control of your claim. Here are essential actions you can take:

- - File Promptly: File your Hurricane Milton claim as soon as possible. The sooner you file, the closer you are to the top of the payout list—a major advantage when carriers juggle claims from hundreds of policyholders. While it’s important to file your claim promptly, it’s just as important to file your claim with thorough documentation and review.
  - Document Thoroughly: Take high-quality photos and videos of all damage (if it is safe), both inside and outside your property. This evidence sets the foundation of your claim and can be invaluable throughout the claims process.
  - Review Your Policy Details: Before filing, make sure you understand what’s covered under your policy, including policy limits, deductibles, and exclusions. Reviewing the terms of your policy that are unique to your property is a strategic move. Our team is here to review your policy terms and help you make the most of your coverage throughout the claims process. Have your policy reviewed by our team today!
  - Stay in Regular Communication: Keep the lines open with your insurer. Follow up on the status of your claim regularly to keep it at the forefront of their minds.
  - Request Extensions if Necessary: If you need more time to gather documents, inspections, or estimates, formally request an extension and a response in writing. This step is essential to avoid unintentionally forfeiting parts of your claim.

3. Add a Public Adjuster to Your Team

After a hurricane, the claims process can feel overwhelming, especially with the pressure to document everything and communicate with your insurance carrier. That’s where a public adjuster comes in—right from the start. Many policyholders think they only need us when delays or denials happen, but involving a public adjuster like Premier Claims early in the process can make a world of difference. Here’s why:

- - Detailed Evaluation: A public adjuster thoroughly assesses your damage, potentially catching details you or an independent insurance adjuster might overlook. This initial step allows your claim to more fully reflect the scope of the damage to your property.
  - Professional Representation from the Get-Go: With a licensed public adjuster handling the paperwork, inspections, and negotiations, you can focus on recovery instead of wrangling with insurance adjusters. Our team is able to review your insurance policy and help make the most of your coverage throughout the claims process. Having Premier Claims advocate for you from the start allows us to more comprehensively fight for your rights and a fair settlement.
  - Overcoming Delays: When delays happen, a public adjuster can dramatically change the outcome of your claim. If you’re feeling stonewalled by your insurer, consider involving someone who strictly works for you, the policyholder.

At Premier Claims, we’re committed to being your partner throughout the claims process. Let us take the stress out of your claim so you can focus on rebuilding with confidence, knowing we’re working our hardest to secure every dollar you’re owed.

4. Time to Take Action: Keeping Your Claim on Track

If your Hurricane Milton claim is delayed, it’s time to take action!

- - Request a Written Timeline from Your Carrier: Ask your insurance carrier for a written schedule that outlines the next steps in processing your claim. A formal request often motivates them to act.

5. Your Recovery, Our Priority

You’ve been through enough already. At Premier Claims, we believe in empowering you, the policyholder, with the support and information you need to navigate the claims process confidently.

In this recovery journey, you don’t have to go it alone. Whether you’re facing delays, low settlement offers, or unclear timelines, Premier Claims has the experience and the drive to fight for you to be treated fairly so you can receive an adequate payout.

When disaster strikes—whether it’s a storm, fire, or water damage—one of the first steps in getting your life back on track is filing an insurance claim. But when it comes to navigating the complex world of insurance, understanding the role of a Public Adjuster versus an Insurance Carrier Adjuster can make all the difference in how much you get paid. Let’s break down the key differences so you know exactly who’s on your side.

What is an Insurance Adjuster?

Simply put, an Insurance Adjuster works for the insurance carrier. Their job is to evaluate the damage to your property and determine how much the insurance carrier should pay out on your claim.

Now, before you think, “Well, that sounds fair enough”—let’s take a moment to remember who signs their paychecks. While they’re there to assess the situation, their ultimate goal is to minimize the payout, ensuring the insurance carrier saves money. It’s like letting the fox guard the henhouse.

What is a Public Adjuster?

On the flip side, a Public Adjuster works for you, the policyholder. They’re licensed professionals who evaluate your claim, just like the insurance adjuster does, but with your best interests in mind. A Public Adjuster’s job is to fight for you to get the payout you deserve by thoroughly inspecting the damage, reviewing your insurance policy, and negotiating with the insurance carrier on your behalf.

Think of them as your advocate—a Robin Hood of sorts in the often murky insurance world.

How Does This Affect You?

Having a Public Adjuster in your corner can significantly change the outcome of your claim. While the Insurance Adjuster might tell you that your damage isn’t “severe enough” or certain repairs aren’t covered, a Public Adjuster will go through your policy with a fine-tooth comb to make sure every bit of damage is accounted for. They’ll fight for a settlement that reflects all the damages you’ve suffered, not just what the insurance carrier wants to acknowledge.

When Should You Call a Public Adjuster?

If your claim has been denied, underpaid, or you feel overwhelmed dealing with the insurance carrier, calling a Public Adjuster can be a game-changer. They’ll step in to handle the heavy lifting, freeing you up to focus on getting life back to normal.

In the majority of states, Public Adjuster’s fees are dependent on the payout of the claim by the insurance company. For example, Public Adjusters may fee off a small percentage of the settlement. Alternatively, some state contracts are drafted to include provisions for hourly fees. Each contract is drafted to accommodate the fee requirements of the state in question. In either case, Public Adjusters are motivated to obtain the largest settlement payout possible on behalf of the client.

At the end of the day, filing an insurance claim can feel like navigating a maze, but you don’t have to do it alone. A Public Adjuster is on your side, fighting for the settlement you deserve, while the Insurance Carrier Adjuster is there to protect the insurance company’s bottom line.

If you’re looking to make sure your claim is handled fairly, it’s worth having an expert in your corner who isn’t tied to the insurance company. Premier Claims is your trusted Public Adjuster, dedicated to making the most of your claim and fighting for your right to a fair settlement.

Ready to get what you’re owed? Contact Premier Claims today, and we’ll work together to restore your property.

How Do You Know You’re Properly Covered in the Event of a Disaster? Answer— You Don’t!

We’ve all got a million and one things on our plate, and who has the time to sit down and dissect an insurance policy, right? Here’s the cold, hard truth— neglecting that policy review could be the decision that haunts you when disaster strikes.

A storm rolls in, lightning cracks, thunder roars, and suddenly your business is flooded, your investments ruined. You’re knee-deep in water scrambling to salvage what you can, all while the clock ticks down.

What if you had taken the time to get that policy review?

What if you had known the ins and outs of your coverage like the back of your hand?

Maybe, just maybe, you could have avoided the nightmare altogether.

Insurance Carriers Are Pros at Taking Your Money

Here’s the kicker— insurance policies are notorious for their labyrinthine language and sneaky loopholes. That “Act of God” clause? It might not cover as much as you think. And those exclusions buried in the fine print? They could leave you high and dry when you need help the most.

Not all insurance claims have a happy ending, but it is possible to increase the likelihood of a happy ending relatively easily. Enters the Public Adjuster: the unsung heroes of the insurance world. Public adjusters, like those at Premier Claims, are armed with the knowledge and expertise to navigate the murky waters of your policy.

Still not convinced? Consider this— The time you invest in that policy review could be the difference between a smooth claims process and a never-ending nightmare. Not to mention that a policy review will only take seconds of your time. Picture yourself sailing through the storm, confident and prepared, while others flounder in the chaos.

Intrigued? Concerned? Good, it’s time to take action.

Face the beast head-on, arm yourself with knowledge, and take control of your claim. Because when disaster strikes you’ll want to be the one calling the shots, not the other way around.

Reach out to Premier Claims today and let us guide you through the murky waters of insurance policies. Your future self will thank you – trust us, we’ve seen it all.

Remember, ignorance may be bliss, but it’s a one-way ticket to disaster. Allow our team of experts to evaluate your insurance policy and ensure your property is properly protected. By submitting your policy, you’ll gain valuable insight on how to optimize your coverage for maximum benefit. Don’t let it cost you everything. Submit your policy for review today: https://premier-claims.com/policy-review/

Steps to Take After Property Damage

As you’re sitting at your dinner table, drinking your coffee, and eating your breakfast, you open up Facebook, and all you see are photos, videos, and news articles about the hail storm that swept through your neighborhood. You see that one of your friends posted a picture of a golf ball-sized hail near one of the office buildings you own. You realize there is a VERY good chance your building has damage. What do you do? Do you know how to navigate the claims process after property damage?

Here’s a comprehensive guide on what to do after property damage:

1. Mitigate Further Damage

First and foremost, prioritize your own safety and that of others. If the damage poses any immediate danger, take necessary steps to mitigate further impact or loss to your property. This could involve actions like boarding up windows, covering exposed areas, or shutting off utilities if necessary. Safety should always be the top priority.

2. Document the Damage

Capture thorough photographic and video evidence of all damage. This documentation is crucial as it serves as tangible proof of the extent of the damage for your insurance claim. Take pictures and videos from multiple angles, including close-up shots and wider views, to capture the full scope of the damage.

Focus on Exterior Components: Inspect and document any damage to the roof, siding, windows, and surrounding landscape features such as foliage. Look for signs of dents, punctures, missing shingles or tiles, and debris accumulation.
Immediate Assistance: If you cannot immediately document the damage yourself, contact our team promptly. We can dispatch someone to conduct a thorough damage assessment and gather the necessary information for your claim.

3. Contact Our Team for Guidance

Reach out to our team as soon as possible for professional assistance. Premier Claims specializes in navigating the complexities of insurance claims and can provide invaluable guidance from the outset.

Assessment and Documentation: Our team will conduct an on-site inspection to gather comprehensive evidence of all recoverable damage under your insurance policy.
Detailed Damage List: We’ll help you create a detailed list of all damage, impacted areas, and any structural issues. This includes a summary of the date, time, and severity of the event that caused the damage.
Compile Records: Gather any relevant records related to your property, such as maintenance records, previous inspection reports, repair receipts, and prior photographs. These documents strengthen your claim by providing a history of the property’s condition.

4. Initiate the Claims Process

After reviewing the evidence and records, if we determine there is sufficient damage covered under your policy, we will initiate the claims process on your behalf.

Notification to Insurance Carrier: We will notify your insurance carrier of the damage incurred and provide all necessary documentation to support your claim.
Advocacy and Support: Throughout the claims process, our team will advocate for your best interests and work hard to get you fair compensation for the damage to the property. Dealing with property damage can be daunting, but taking proactive steps and partnering with our experienced team can make a significant difference in the outcome of your insurance claim. By promptly documenting the damage, compiling necessary records, and initiating the claims process with our guidance, you can lay a solid foundation for a smooth and successful resolution.

Contact us today to learn more about how we can assist you in navigating the insurance claims process and recovering from property damage effectively. Your peace of mind is our priority.

When you file an insurance claim, you expect your insurance carrier to have your back. Right? After all, that’s why you’ve been paying premiums all these years. Unfortunately, the reality is often quite different. Insurance companies, like any business, are driven by profits. This can lead to practices prioritizing their bottom line over your best interests. Here’s a closer look at some common insurance carrier tactics and how Premier Claims, a dedicated public adjusting firm, can help you combat them:

Common Insurance Carrier Tactics

1. Denial of Valid Claims

Insurance carriers may deny your claim for various reasons, often citing that the damage is not covered or is excluded due to policy limitations. One common tactic is to label damage as “old” or outside coverage limits, even if it occurred during the policy period. This is where regular property inspections become crucial. Premier Claims emphasizes that regular inspections document the condition of your property and ensure that you can clearly distinguish any new damage from pre-existing issues. To have your property inspected by our team, contact us today.

2. Underpayment of Claims

Insurance carriers may significantly underpay claims even if your claim is not outright denied. They rely on policyholders’ lack of insurance knowledge and the frustration of navigating the claims process. At Premier Claims, we counter this by leveraging our expertise to analyze your policy meticulously. We break down complex industry terminology and ensure that you receive compensation according to the terms of your policy.

3. Confusing Policy Language

Insurance policies are notorious for their complex language and industry-specific terminology. Carriers may use this to their advantage, hoping to confuse policyholders into accepting less than they deserve. Premier Claims provides a critical service by interpreting and explaining your policy in plain language. Our team dives deep into the fine print, uncovering any hidden benefits and ensuring that every clause is interpreted to maximize your claim. To ensure your property is adequately protected, have your policy reviewed by our team: Complimentary Policy Review

How Premier Claims Can Help You

At Premier Claims, we understand the challenges you face when dealing with common insurance carrier tactics. Our mission is to level the playing field and to help protect your rights throughout the claims process. Here’s how we can assist you:

COMPREHENSIVE POLICY ANALYSIS

Our legal team dissects insurance policies to uncover every potential benefit available to you.

STRATEGIC CLAIM NEGOTIATION

We fiercely advocate for you, negotiating with insurance carriers to secure the maximum compensation available.

EXPERT GUIDANCE AND SUPPORT

From initial consultation to final settlement, we provide personalized support and guidance, intending to keep you informed and empowered.

Don’t let insurance carriers exploit your trust and lack of industry knowledge. At Premier Claims, we are committed to fighting for your rights and ensuring you receive the best compensation available. Whether your claim has been denied, underpaid, or needs professional guidance through the claims process, we’re here to help. Contact us today to learn how we can help protect your interests and maximize your insurance claim.

A New Perspective on Public Adjusters

When you’ve experienced a mishap with a public adjuster, it’s understandable to feel cautious about trusting another one. The fear of history repeating itself can be paralyzing. However, what if we told you that your past experience doesn’t have to define your future interactions with public adjusters?

Understanding the Stakes

Imagine facing a devastating property loss. You feel overwhelmed and stressed, and your life seems upended. In such a scenario, the last thing you need is a public adjuster who doesn’t have your best interests at heart. Unfortunately, some policyholders have encountered adjusters who were uncommunicative, ineffective, or even downright unscrupulous. These bad apples can leave a lasting impression, fostering mistrust and skepticism.

The Fear of the Unknown

Navigating the insurance claims process alone can be daunting. You might have a settlement far below what you deserve without professional guidance. This could leave you struggling to rebuild your home and life. The fear of not receiving fair compensation is real and justified. At Premier Claims, we understand this fear and address it with utmost transparency and professionalism.

The Premier Claims Difference

At Premier Claims, our team is dedicated to reshaping the narrative around public adjusters. We are committed to providing policyholders with the support and advocacy they need during challenging times. Our approach is built on three pillars: education, empathy, and expertise.

Education: Empowering Policyholders

We believe in empowering our clients through education. Understanding the claims process can be a game-changer. Our team takes the time to explain every step, ensuring you’re never left in the dark. We’re here to answer your questions, address your concerns, and provide clarity.

Empathy: Listening to Your Needs

Compassion is at the core of our service. We listen to your story, understand your needs, and tailor our approach accordingly. Our genuine care and concern for your well-being is what sets Premier Claims apart. We’re not just handling a claim but helping you restore your life.

Expertise: Advocating for Your Rights

With years of industry experience, our team has the expertise to navigate complex claims and secure fair settlements. We know the ins and outs of insurance policies and leverage this knowledge to advocate fiercely on your behalf. We are committed to fighting for your voice to be heard and for your rights to be protected.

Red Flags to Avoid

It’s important to be aware of certain red flags when choosing a public adjuster:

Lack of Communication: A good adjuster keeps you informed every step of the way.
Promises of Guaranteed Outcomes: No adjuster can guarantee a specific settlement amount.
High-Pressure Tactics: Be wary of adjusters who rush you into decisions.

Your Peace of Mind Matters

At Premier Claims, we prioritize your peace of mind. We aim to turn your previous negative experiences into positive ones by demonstrating our commitment to excellence. We stand by our promise to deliver compassionate, professional, and effective service. When you need a trustworthy public adjuster, we are here to support you.

Take the First Step

Don’t let a past bad experience prevent you from getting the support you need. Connect with Premier Claims today and discover how our team can make a difference in your claims process. Put your faith in a trustworthy public adjuster, like those at Premier Claims, to guide you every step of the way.

Hail storms are significant contributors to property damage caused by natural disasters. Among the various structures affected, metal roofs face their own unique set of challenges. With this guide, you will be empowered with the knowledge to identify and address hail damage on metal roofs, safeguarding your investments and ensuring the long-term integrity of your properties.

Common Cosmetic Exclusions for Metal Roofs

While hail damage on metal roofs can have significant consequences, it’s essential to be aware of standard cosmetic exclusions that may impact your insurance coverage. These exclusions often relate to aesthetic issues rather than structural damage and can affect the overall claim settlement process. These exclusions limit insurance liability for minor, non-structural imperfections that do not compromise the roof’s functionality or safety. Insurers argue that covering cosmetic damage would lead to higher premiums and increased claims for minor issues. Understanding the rationale behind these exclusions helps policyholders navigate their coverage and manage their expectations during the claims process.

Minor Dents and Indentations

In many cases, minor dents and indentations caused by hail may be considered cosmetic issues rather than structural damage. Insurance policies often have limitations or exclusions regarding coverage for these types of cosmetic imperfections.

Paint Discoloration

Similarly, paint discoloration or chipping resulting from hail impacts may be deemed cosmetic and not fully covered by insurance policies. It’s essential to understand the extent of your coverage regarding paint damage and any limitations that may apply.

Granule Loss

While metal shingles are not as standard as other roofing materials, they are still susceptible to hail damage. However, insurance policies may have exclusions regarding coverage for granule loss on metal shingles, as it may not be considered structural damage to some carriers.

Understanding these standard cosmetic exclusions is crucial for property owners to assess their insurance coverage and file claims for hail damage on metal roofs. Reviewing your insurance policy carefully and consulting a licensed professional to ensure adequate coverage for structural and cosmetic damage resulting from hailstorms is important. To have your insurance policy reviewed by our experienced team, submit a policy review form: https://premier-claims.com/policy-review/

The Potential Consequences of Undetected Hail Damage

Structural Compromise

Hail-induced dents can weaken the structural integrity of metal roofs over time, potentially leading to leaks, water infiltration, and structural failures. These dents may not be immediately apparent but can worsen over time due to thermal expansion, contraction, and additional hailstorms. Addressing hail damage promptly is essential to prevent further deterioration and ensure the long-term stability of the roof structure.

Corrosion and Rust

When the protective paint coating is compromised by hail damage, exposed metal surfaces are vulnerable to corrosion and rust. Corrosion and rust can spread rapidly, causing structural damage and reducing the roof’s lifespan. Regular maintenance and timely repairs are necessary to mitigate the risk of corrosion and preserve the structural integrity of the metal roof.

Business Disruption

Undetected hail damage poses significant risks to business operations. Water infiltration resulting from roof leaks can damage interior finishes and inventory, leading to costly repairs and unplanned closures. Mold growth and compromised indoor air quality can further escalate issues, potentially forcing losses and impacting customer trust and employee productivity. Undetected hail damage could lead your business to take a big financial hit, but it can be avoided. Proactive measures such as regular inspections and prompt repairs are crucial to help minimize these risks and allow for the continuity of operations.

Mitigating the Impact of Hail Damage

Schedule Regular Inspections

Proactively schedule inspections by a licensed public adjuster to promptly identify hail damage after the date of loss. These inspections should occur at least annually, with additional assessments following severe weather events such as hailstorms. Qualified inspectors will thoroughly examine the roof for signs of hail damage, including signs of dents, paint discoloration, and granule loss. Properly documented photos of your property will be used during your claim and can come in handy in the event of future claims. To have your property inspected by our experienced licensed Public Adjusters, connect with our team: https://premier-claims.com/contact-us/

Prompt Repairs

Upon detecting hail damage during an inspection, it’s important for property owners to prioritize prompt repairs to help mitigate further damage and business disruptions. Utilizing durable materials resistant to future hail damage may enhance the roof’s durability against future storms. Failure to acknowledge preexisting damage before a new date of loss occurs may complicate your claims process.

By implementing these strategies, commercial property owners can effectively navigate hail damage on metal roofs, protecting their investment and prolonging the lifespan of their metal roof. Stay informed, stay proactive, and protect your property against the unpredictable repercussions of hail storms.

Your Decisions Could Cost You

You’ve just discovered extensive damage to your property, and your first instinct is to call your trusted contractor. They’ve always done a great job with repairs, so why not rely on them to handle the insurance claim too? Before you make that decision, consider this: entrusting your claim solely to your contractor could lead to unexpected complications and potentially costly consequences.

The Potential Risk You’re Unaware Of

Did you know that it’s illegal in most states for contractors to represent themselves as public adjusters? This distinction is crucial because, generally, handling insurance claims requires specific licensing and expertise. By relying on an unqualified individual, you’re risking the outcome of your claim and potentially facing legal repercussions. Imagine the added stress of legal battles on top of property damage.

Expertise vs. Qualifications

Sure, your contractor might excel at repairs, but do they have in-depth knowledge of insurance policies and negotiation strategies? Public adjusters undergo extensive training and licensing precisely for these reasons. They know the ins and outs of the insurance claim process, always trying to ensure that your claim is accurately documented. Trusting someone without the right qualifications is like navigating a minefield blindfolded.

The Power of Collaboration

Instead of choosing between your contractor and a public adjuster, why not have both working for you? At Premier Claims, we collaborate closely with your contractor to try to achieve the best outcome for you. Your contractor focuses on restoring your property while our team advocates for your best interests and negotiates with your insurance carrier. This partnership is intended to ensure that every aspect of your claim and restoration process is handled with expertise and care, creating a win-win situation for you.

Take Control of Your Claim

Don’t gamble on your property’s ability to be fully restored. Take control of the situation by contacting Premier Claims today. Our team of licensed public adjusters is here to help you navigate the complex claims process, fight for the best settlement, and restore your peace of mind. Don’t wait until it’s too late- ensure your claim gets the attention it deserves from the people who are qualified to do it.

The Impact of the 2024 Hail Season on Insurance Premiums

2024 Hailstorms by the Numbers: The Devastation in Context

Why Are Premiums Rising After the 2024 Hail Season?

1. Unprecedented Claims Payouts

2. Rising Repair Costs

3. Advanced Risk Modeling

How Premium Hikes Are Affecting Property Owners

What Can Homeowners Do to Navigate These Changes?

1. Invest in Impact-Resistant Materials

2. Conduct Regular Policy Reviews

3. Work with a Public Adjuster

4. Advocate for Legislative Action

A Glimpse into the Future: Will 2025 Be Any Better?

30 Days After Hurricane Milton

30 Days After Hurricane Milton

What Your Insurance Carrier Should Be Doing—What You Can Do

1. Your Insurance Carrier’s Obligations Under Florida Law

2. Proactive Steps You Can Take to Strengthen Your Claim

3. Add a Public Adjuster to Your Team

4. Time to Take Action: Keeping Your Claim on Track

5. Your Recovery, Our Priority

The Role of a Public Adjuster vs. Insurance Adjuster

What is an Insurance Adjuster?

What is a Public Adjuster?

How Does This Affect You?

When Should You Call a Public Adjuster?

Get a Policy Review: Protect Yourself from Carrier Tactics

How Do You Know You’re Properly Covered in the Event of a Disaster? Answer— You Don’t!

Insurance Carriers Are Pros at Taking Your Money

Intrigued? Concerned? Good, it’s time to take action.

What Do You Do After Property Damage Occurs?

Steps to Take After Property Damage

1. Mitigate Further Damage

2. Document the Damage

3. Contact Our Team for Guidance

4. Initiate the Claims Process

Insurance Carrier Tactics Exposed

Common Insurance Carrier Tactics

1. Denial of Valid Claims

2. Underpayment of Claims

3. Confusing Policy Language

How Premier Claims Can Help You

COMPREHENSIVE POLICY ANALYSIS

STRATEGIC CLAIM NEGOTIATION

EXPERT GUIDANCE AND SUPPORT

Choose a Trustworthy Public Adjuster

A New Perspective on Public Adjusters

Understanding the Stakes

The Fear of the Unknown

The Premier Claims Difference

Education: Empowering Policyholders

Empathy: Listening to Your Needs

Expertise: Advocating for Your Rights

Red Flags to Avoid

Your Peace of Mind Matters

Navigating Hail Damage: Metal Roofs

Common Cosmetic Exclusions for Metal Roofs

Minor Dents and Indentations

Paint Discoloration

Granule Loss

The Potential Consequences of Undetected Hail Damage

Structural Compromise

Corrosion and Rust

Business Disruption

Mitigating the Impact of Hail Damage

Schedule Regular Inspections

Prompt Repairs

Why Your Contractor Can’t Handle Your Insurance Claim

Your Decisions Could Cost You

The Potential Risk You’re Unaware Of

Expertise vs. Qualifications

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