Hail Damage

Hail Damage Claims

Hailstorms can be costly. While a standard homeowner policy provides coverage for

damage from hail, your insurance company may be more interested shifting repair costs

to you by reducing the amount paid on a claim. FPJL collaborates with our damage

consultants to assess and, if necessary, adjust the amount of damage for coverage

under a claim. If repairs are ignored, tile, shingle, and roof damage may quickly result

in leaks, mold, and interior water damage. Retaining FPJL to manage your hail claim

will expedite the insurance claim process and will seek a recovery that is fair and that

returns your property to pre-hail condition.

Tips for Ensuring Payments from an Insurer to Properly Replace a Hail Damaged Roof:

  • Immediately notify the carrier of all damage.
  • Inform the insurance adjuster that an expert needs to determine the condition of the entire roof system, in addition to areas immediately visible.
  • Review the property insurance policy to determine which provisions may apply to the damage. If a complete copy of the policy is not available, make a written request to the adjuster to obtain a complete certified copy of the policy (including all endorsements) as soon as possible.
  • Retain an expert in roof repair and replacement to perform non-destructive testing in conjunction with core cuts to determine if the damaged top layer (i.e., EPDM, TPO, Built-Up, Modified Bitumen, shake shingles, asphalt shingles) can be replaced with or without additional work to substrate, insulation, sheathing or decking based on code and manufacturer specifications for repair/replacement.
  • Document everything including test results, photos of all substrate layers down to the roof deck, and the expert’s findings.
  • Provide the adjuster with maintenance records, which may show the roof functioned properly until the date of loss.

We Had a Hailstorm Months Ago, But I Just Realized the Severity of the Damage:
Is It Too Late to Make an Insurance Claim?

Policyholders must meet post-loss obligations under their property insurance policy prior to receiving coverage for a loss. A common condition precedent requires policyholders to provide prompt notice of the loss to their carrier.