Picture this: A major hail storm just tore through your neighborhood, doing massive damage to your roof and leaving your siding in shambles. Thankfully, you made sure that your homeowner’s insurance policy covered hail and wind damage. However, when you file your damage claim, your insurance agency only offers you a portion of what it would cost to have quality repairs done. Does this sound familiar?
Unfortunately, this is an all too common occurrence. Even homeowners who pay thousands every year to keep their insurance policy are blindsided when they hear that their insurance company who has promised to be there for them when they need it, will not actually be covering the full cost of the repairs. This is where a reputable insurance claim attorney comes in handy.
If your insurance company is giving you the runaround, lowballing you, or making excuses as to why they won’t pay up, get in touch with Alex Hernandez Business Law today. We will work with your insurance agency to settle your claim and get you the compensation you deserve, even if it means taking them to court in the process.
Perhaps you step outside after a hail storm to see broken windows, shingles on the ground, and siding that is dented or falling off. In this case, it is very easy to see that this new damage was caused by the recent storm. But other times, you don’t know the full extent of damage caused by hail until weeks, months, or years later. This can make filing a claim with your insurance company incredibly difficult, but you can rest easy knowing our experienced insurance litigation lawyers are on your side. We have a proven record of helping property owners throughout Texas get compensation for hail damage.
Excuses, Excuses, Excuses
Perhaps your insurance company sees your claim and comes back with some excuse about how your home had pre-existing damage to begin with or you didn’t properly maintain your roof. They might also try and settle for a full repair, but leave you in the dust when it comes to debris removal and temporary lodging, meaning you’re still paying out of pocket.
Avoiding Full-Roof Replacement
Insurance companies want to avoid a full-roof replacement at all costs, even when it is desperately needed to prevent further damage and ensure you have a safe roof over your head. Replacing a roof is one of the most expensive endeavors, but at the end of the day, it is on your insurance provider to give you the compensation you’ve been promised. You don’t pay your insurance company to come through with a couple of shingles when your entire roof needs to be replaced. You do not have to accept a low settlement, but know that once you settle a claim, it is almost impossible to go back and fight for a larger settlement because the form you signed likely prevents you from doing this. This is why it is so important to work with an experienced attorney from the get-go.
Get The Compensation You Deserve
If you file a hail insurance claim and think you deserve more than a few shingles, have a second inspection done with a different insurance adjuster and be sure to have a well-respected local roofer present who can give their expert opinion and show the adjuster the true extent of damage that may have been overlooked. Oftentimes, this second inspection is enough to get the insurance company to budge, as they are not used to their insureds fighting back. We understand why. You need a roof over your head as soon as possible, and the longer it takes to get your roof repaired or replaced, the higher the chance is of more damage occurring. But don’t give up. Call Alex Hernandez Business Law and let our experienced insurance lawyers do the heavy lifting for you.
Many homeowners do not know how to navigate the complicated appeals process or are too busy trying to get their life back on track to handle the stress of the problem. That is why we are here. It is our job to fight on your behalf to get you the compensation you need to safely and fully repair damages caused by hail. Get in touch today to learn more about how we can help you settle a hail insurance claim and get you the compensation you deserve.