Why Canceling Your Inspection Should Be a Last Resort 

At Premier Claims, we understand that life can be busy and scheduling conflicts arise, but canceling your property damage inspection appointment can significantly hinder the progress of your insurance claim. Keeping your inspection appointment assists in making the claim process as smooth and beneficial as possible.

Why Is an Inspection So Important?

1. An Inspection is Essential for Your Claim

The property damage inspection is critical for both us and your insurance carrier. Without it, we may be unable to proceed with your claim. The inspection allows us to accurately document the extent of the damage, which is essential for determining the appropriate compensation. Skipping this step could delay your claim or even lower your payout.

2. You Don’t Need to Attend the Inspection

No need to worry if you can’t attend the property damage inspection. Your presence is not required as long as we can access the roof and other necessary areas. Our team is fully equipped to handle the inspection independently, trying to ensure that all damage is thoroughly documented.

3. We Advocate for You

Our inspectors act as your advocates during the inspection. We have your best interests in mind and work diligently to ensure every known detail of the damage is documented. This comprehensive documentation is crucial to support your claim best and increase the likelihood of compensation from the carrier. 

4. Transparent and Ongoing Communication

We believe in keeping you informed throughout the entire claims process. Your designated client specialist will provide regular updates to inform you of your claim. This transparency helps you stay engaged and understand each process step, even if you can’t attend the inspection.

Canceling your property damage inspection can delay your claim and potentially reduce the compensation you receive. By keeping your appointment, move forward efficiently and continue to advocate on your behalf. Even if we find that there isn’t damage to your property, documenting the current state of your property can be beneficial for potential future claims. To learn more about the benefits of a damage-free inspection, read our full blog: https://premier-claims.com/blog/no-damage-inspections-benefits/. Remember, your presence at the inspection is unnecessary as long as we have access to the damaged areas. Trust our team to handle the inspection competently and keep you informed along the way.

If you have any concerns or questions about the property damage inspection process, please don’t hesitate to reach out. We’re here to support you and ensure your claim is handled with the utmost care and professionalism.

What Steps Should I Take After Experiencing Hail Damage?

Hail season is officially upon us, and many are already experiencing hail damage. As hailstorms persist, property owners face a pressing concern: how to address the aftermath of hailstorms effectively. Hailstorms can inflict severe damage on properties, necessitating swift and informed action to protect investments and ensure timely restoration. This comprehensive guide outlines essential steps for property owners to navigate the aftermath of hailstorms seamlessly and expedite the claims process. 

Assessing Hail Damage

After a hailstorm, the first step in restoration is to assess the extent of the damage to your property. Assessing your property after experiencing hail damage initiates the claims process in an attempt to ensure that your property is restored promptly and effectively. Documenting the damage thoroughly with photographs and videos from different angles is essential. This documentation will be invaluable when filing an insurance claim.

Exterior Damage

Inspect the exterior of your property for visible signs of damage as dented or cracked surfaces, broken windows, and damaged roofing materials. 

Roof Damage

Pay close attention to your roof, as it is particularly susceptible to hail damage. Look for dents, punctures, and missing shingles or tiles.

HVAC Systems

Check HVAC units and other outdoor equipment for any signs of damage, as hail can cause dents and impair functionality.

Documenting the Damage

Proper documentation is key to a successful insurance claim. Make sure to record the date and time of the hailstorm, as well as any relevant weather reports. Focus your attention on the areas that appear to have the most damage. Include close-up shots to capture the extent of the damage accurately. Keep all documentation organized and easily accessible for when you need to file your claim. 

Photo & Video Evidence

Take clear and detailed photographs of all visible damage to your property from multiple angles. Be sure to capture close-up shots as well as wider shots to provide context.

Written Documentation

Make detailed notes describing the extent of the damage, including the date and time of the hailstorm, the areas affected, and any observable structural issues. 

Gather Supporting Documentation

Collect any relevant documents such as maintenance records, previous inspection reports, and receipts for repairs or upgrades.

Contact Your Insurance Carrier

Initiating the claims process promptly by notifying your insurance carrier of the hail damage on your property is essential. Be thorough in providing all relevant details, including the date and location of the hailstorm, along with a comprehensive description of the damage and any documentation you’ve gathered. Collaborate with your insurance adjuster to arrange a thorough inspection of your property. This inspection allows them to evaluate the extent of the damage and decide the best course of action.  A licensed & reputable public adjuster will conduct a thorough damage assessment of your property to streamline the claims process with your insurance carrier.

Additionally, it’s crucial to familiarize yourself with your insurance policy, ensuring that you comprehend the coverage limits, deductibles, and any specific requirement or exclusions pertaining to hail damage. To have your policy thoroughly reviewed by our team of licensed professionals, submit your policy here: Free Policy Review

Preventative Measures

While hail damage is often unavoidable, there are some preventative measures you can take to help minimize the impact of future hailstorms on your property. 

Roof Maintenance 

Regularly inspect and maintain your roof to identify and address any potential vulnerabilities or weak spots that may be susceptible to hail damage. 

Protective Coverings

Consider installing protective coverings such as hail-resistant roofing materials, window shutters, or awnings to mitigate the impact of hailstones. 

Trip Trees and Shrubs

Keep trees and shrubs on your property well-trimmed to minimize the risk of falling branches and debris during hailstorms. 

Enlist the Help of a Public Adjuster

Consider enlisting the expertise of a public adjuster to assist you with your insurance claim. Public adjusters are licensed professionals who work on behalf of policyholders to negotiate fair and equitable settlements with insurance companies. At Premier Claims, our team of Licensed Public Adjusters can advocate for your best interests and fight for you to receive the compensation that is rightfully owed to you.  To learn more about the value a public adjuster can bring to your claim and your peace of mind, read our blog: What is a Public Adjuster? 

Navigating the aftermath of a hailstorm can be overwhelming, but you don’t have to do it alone. Premier Claims is here to support you every step of the way, from assessing damage to negotiating with your insurance carrier. Our team of experts is committed to providing you with the guidance and assistance you need to restore your property and regain peace of mind. 

Ready to take the next steps after a hailstorm? Connect with Premier Claims today to speak with one of our experienced public adjusters and get the support you need to navigate the claims process with confidence. 

How Can I Protect My Property During a Hail Storm?

Hail storms can wreak havoc on your property, causing extensive damage to buildings, vehicles, and outdoor structures. As a policyholder, it’s important to take proactive measures to protect your property against the destructive force of hail. We’ve compiled a list of actionable steps and strategies to protect your property during a hail storm, aiming to ensure the safety of your investment and minimize potential damage. 

Hail Storm Defense Guide

Understand Hail Damage

Hailstones vary in size, ranging from small pellets to large chunks that can cause significant damage upon impact. Common forms of hail damage include dented or cracked roofing, shattered windows, and structural harm to exterior surfaces. 

 

Evaluate Your Roof

The roof is the first line of defense against hail. Conduct a thorough inspection of your roofing system to identify any existing vulnerabilities or areas of concern. Look for loose or missing shingles, deteriorated flashing, and signs of previous hail damage. Reinforcing weak spots and ensuring proper installation can enhance your roof’s resilience during a hail storm. To have your property inspected by a licensed professional, connect with Premier Claims today. 

Invest in Impact-Resistant Roofing Materials

Consider upgrading to impact-resistant roofing materials designed to withstand hail damage. Options such as asphalt shingles with Class 4 ratings, metal roofing, or synthetic slate offer superior durability and can protect your property during a hail storm. Consult with roofing professionals to determine the most suitable materials for your property. 

Reinforce Windows and Doors

Windows and doors are susceptible to hail damage, especially during severe storms. Install impact-resistant windows and doors equipped with laminated or tempered glass to minimize the risk of breakage. Additionally, consider installing protective shutters or storm panels for an extra layer of defense during hail storms. 

Secure Outdoor Items

Outdoor furniture, equipment, and decorative elements are vulnerable to hail damage. Secure or relocate these items indoors or to a sheltered area before a hail storm hits. Trim overhanging branches and remove debris that could become projectiles in high winds, posing a threat to your property. 

Maintain Gutters & Downspouts

Proper drainage is essential for diverting water away from your property during a hail storm. Keep gutters and downspouts clear of debris to prevent clogging and potential water damage. Consider installing gutter guards to help minimize the accumulation of debris and maintain efficient water flow. 

Consider Impact-Resistant Siding

If your property has siding, consider upgrading to impact-resistant materials such as fiber cement, vinyl, or metal siding. These options offer increased resistance to hail damage and can help protect your property’s exterior from dents, cracks, and other forms of structural harm. 

Policy Review

Review your insurance policy to understand the extent of coverage for hail damage. It’s important that your policy provides adequate protection for your property and consider additional coverage options if necessary. Document the condition of your property before and after a hail storm to facilitate the claims process. To have your policy reviewed by our team of licensed professionals, submit your policy here: https://premier-claims.com/policy-review/

Protecting your property during a hail storm requires careful planning and proactive measures. By understanding the potential risks, investing in resilient materials, and implementing preventive strategies, you can minimize the impact of hail damage on your property. Stay informed, stay prepared, and take proactive steps to protect your property against this year’s hail storms. 

Prepare Before the Storm

Being Hurricane Preparedness Week and with hurricane season quickly approaching, it is important you and your family are prepared by planning ahead. To prepare before the storm, we suggest focusing on four areas: Hurricane information & evacuation plan, strengthening your home & business, updating & reviewing your insurance policy, and stocking your supplies.

Hurricane Information & Evacuation Plan

If you live in a hurricane prone area, it is critical that you have a list of ways you can get trusted hurricane information readily available. We suggest bookmarking National Weather Service, Ready and national news outlets on your mobile devices for immediate access to information. In addition, social media can be a great source of real time updates — Join the latest Facebook group for the named Hurricane to receive multiple updates from various sources. 

For your safety, planning a general evacuation plan and knowing alternative routes can save you time and stress when a hurricane strikes. When a hurricane is approaching, make sure you communicate your evacuation plan with someone else outside of the storm’s path. 

Corner business with windows boarded up

Strengthen Your Home & Business

Take a walk around your home and your business and look at areas that may be vulnerable in the event of a hurricane. Trimming trees regularly can help prevent excessive broken branches that can cause damage. Minimizing the number of outside loose items, such as patio furniture & recreational equipment, will reduce the amount of time you need to properly secure the items prior to the storm hitting. In advance, we recommend having the necessary materials to board up any windows to protect them from flying debris. 

If you have not had your roof or property inspected in the past 12 months, we recommend having a contractor or public adjuster confirm the structural integrity of your roof and home. The inspection will include photos and documentation of the current condition of your home. Should your home experience damage during a hurricane, the inspection documentation will be crucial evidence in getting your home back to its prior condition. We offer free home inspections — Give us a call today to schedule!

Update & Review Your Insurance Policy

We recommend having your insurance policy reviewed by a third party for a detailed review of coverage. Flooding is the leading cause of damage from hurricanes and many policyholders in hurricane prone areas are not required to have this coverage. In addition, your insurance policy may outline specific preparation steps that are required in order to ensure damages are covered. Our team of legal experts provide free policy reviews and will outline any gaps in your current coverage, and what steps must be taken prior to the storm hitting per your policy. If you’d like to have your policy reviewed — Contact us or send your policy to info@premier-claims.com.

Prepare before the storm Hurricane Preparation Checklist

Stock Your Supplies

Waiting until the hurricane is announced to stock your supplies could put you at risk of being unable to obtain the emergency supplies you need. According to Chuck Duncan, a Florida Ace Hardware employee in a local interview with CBS 4 News, says it is normal for residents to wait until the announcement before they head to the stores for supplies: “Usually within a few days after it comes out that it [the hurricane] is coming this way, they start coming in.” 

During and after a hurricane, you may need supplies to keep your family safe and healthy. However, once a hurricane is announced, there is a mass surge of people going to stores and supplies are limited. We recommend gathering supplies early in the season in May or June prior to a potential hurricane hitting land. You can be prepared by including the following:

For a full list of items you may need, you can find a checklist here: Download Checklist

Hurricanes are costly and can cause damage hundreds of miles from the shore. Being prepared ahead of time can be critical for your safety and recovery after the hurricane. Continue to follow us this week for more information and resources to prepare for this upcoming hurricane season!

Additional Resources

Florida Disaster
CDC Preparing for a Hurricane
National Weather Service Hurricane Plan