Hail Damage

Hail Damage Attorneys in Florida

Florida is no stranger to hail. The often-damaging weather phenomenon is especially common in the early Spring months and can cause serious headaches for business, home and vehicle owners. The good news is your homeowners insurance should cover hail damage. The bad news, for many homeowners trying to file a hail damage claim, is the difficulty involved with getting the insurance company to honor a hail damage claim.

What can complicate hail property damage cases are the deductibles and coverage limits for hail damage, which may not be the same as other types of damages your policy covers. If you have a particularly high deductible for hail damage, you may be forced to pay for roof and home repairs out of pocket.

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What to Do After Hail Damages Your Home?

Florida hailstorms often do significant damage to roofs. A compromised roof can leave your home’s interior and personal property vulnerable to additional damage. If your roof has been damaged by hail, it’s important to take the following steps:

1.

Document

Document the damage by taking pictures
2.

Cover

As soon as possible cover the damage with a tarp
3.

Call

Call the insurance company to report the damage and start the claims process
4.

Inspect

It may be in your best interest to have a qualified, trustworthy roofer inspect your roof damage to help in your negotiation with the insurance company

If additional damage occurs after the hail, such as water damage to the interior of your home or property because your home’s roof was damaged, the insurance company may try to deny those additional damages unless you took steps to prevent them.

You may also want to take a picture of your roof before storm season. Some insurance company claims adjusters may try to say the damage was due to wear and tear or improper upkeep. Being able to show a before and after can sometimes help boost the evidence for your claim’s legitimacy.

It’s sometimes in the homeowners’ best interest to have a contractor or independent claims adjuster present when the insurance company’s claims adjuster is at your home evaluating the damage. A third party can help ensure the insurance company’s adjuster doesn’t dismiss the damage as unrelated to hail or underestimate the extent of damages and cost of repairs.

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How the Size of Hail Matters

Not all hail is likely to cause damage. Smaller hail, which is generally a quarter inch or half-inch ball of ice roughly the size of a pea or marble, likely won’t cause damage to your home or vehicle. Hail with the diameter of a penny, about three-quarters of an inch or greater, will likely cause damage.

Hail has the potential to get much larger. Hail with diameters of four to four and a half inches, roughly the size of a grapefruit or soft ball, have been documented. Larger sized hail can easily smash windows, severely damage cars and even cause significant injury.

Hail is formed high up in the atmosphere. It picks up speed on its way to the ground, and can impact at speeds of up to 70 mph.

Time Can Make a Difference

Hail damaged roofs can be difficult to diagnose right away. Some homeowners may not realize there was any damage until a heavy rainstorm hits and your roof is suddenly leaking due to the extensive hail damage caused in a previous year’s hailstorm.

Just because time has passed doesn’t necessarily mean your claim won’t be honored. If your roof’s integrity was compromised by hail, which is covered by most Florida homeowners insurance policies, you should be compensated for repairs by your insurance company.

What to Watch out for When Dealing with the Insurance Company

Property damage attorneys are familiar with insurance company tactics. Whether intentional or unintentional, these mistakes can end up costing homeowners significant out of pocket roof damage repair costs. Some of the most common strategies insurance companies use include:

  • Wanting to only pay for patching a roof rather than fully replacing a roof damaged by hail
  • Underestimating the scope of damages
  • Asserting the damage was from an excluded peril or uncovered wear and tear
  • Arguing that, since your roof was already old, your claim will be “depreciated” based on the age of your roof

When to Speak with a Hail Damage Attorney

If an insurance company is trying to tell you that your home’s hail damage isn’t attributable to hail and is therefore not covered, you should strongly consider speaking with a hail damage attorney in Florida.

The Florida property damage attorneys at Kanner & Pintaluga have extensive experience with hail damage claims and can help you understand your chance for receiving the claim payment you deserve. We will fight to make sure you get the money you need to make the necessary repairs to your home and property.

What Our Clients Are Saying

My attorney Alexis Altman, Esq., fought hard for our water damage claim when our Big Name insurance company refused to honor the claim. The end result is she won and we end up with an amazing settlement. I will highly recommend the Law Firm of Kanner & Pintaluga to all of my friends and family and any other associates who are in need of a good Lawyer.

MONA G.

Hurricane Damage Reviews
5.0
2019-07-11T07:20:01+00:00

MONA G.

My attorney Alexis Altman, Esq., fought hard for our water damage claim when our Big Name insurance company refused to honor the claim. The end result is she won and we end up with an amazing settlement. I will highly recommend the Law Firm of Kanner & Pintaluga to all of my friends and family and any other associates who are in need of a good Lawyer.
Kanner & Pintaluga were a huge help in reaching a settlement for my boss with his insurance company. John Edwards, Max and Grace wee extremely efficient and communicative. They were by our side every step of the way. He received his settlement money in no time and without issue. I would highly recommend them.

KIMBERLY D.

Hurricane Damage Reviews
5.0
2019-07-11T07:20:39+00:00

KIMBERLY D.

Kanner & Pintaluga were a huge help in reaching a settlement for my boss with his insurance company. John Edwards, Max and Grace wee extremely efficient and communicative. They were by our side every step of the way. He received his settlement money in no time and without issue. I would highly recommend them.
Adriana Nito is the Legal Assistant with my claim and she is wonderful. She has kept me up to date on all things happening . She always returns my calls if she is on another line . And she has coordinated all inspections and all needed with my claim. Thank Adriana.

ARNALDO SOSA

Hurricane Damage Reviews
5.0
2019-08-22T17:54:49+00:00

ARNALDO SOSA

Adriana Nito is the Legal Assistant with my claim and she is wonderful. She has kept me up to date on all things happening . She always returns my calls if she is on another line . And she has coordinated all inspections and all needed with my claim. Thank Adriana.
It was my pleasure to work with John Edwards and his assistant Grace. I had such a great experience, they were able to resolve my case in a few months. They made the process smooth, easy, and simple. I am very pleased with the results and I highly recommend the Law Offices of Kanner & Pintaluga.

WILLIAM SMITH

Hurricane Damage Reviews
5.0
2019-08-22T15:37:15+00:00

WILLIAM SMITH

It was my pleasure to work with John Edwards and his assistant Grace. I had such a great experience, they were able to resolve my case in a few months. They made the process smooth, easy, and simple. I am very pleased with the results and I highly recommend the Law Offices of Kanner & Pintaluga.
We had major roof damage after Hurricane Irma, like most people in Southern Florida. Every insurance company and person we spoke to were awful to deal with. We kept getting delay after delay and it seemed like we were never going to get the assistance we needed. A friend recommended Lauren Schaefer, with Kanner and Pintaluga, and we couldn't be happier with the help we are receiving from her and the KP team. We are still going through the process but everyone has been so great. The lines of communication are always open and we never feel left in the dark about anything.

DESIREE SCHMITZ

Hurricane Damage Reviews
5.0
2019-08-22T15:39:25+00:00

DESIREE SCHMITZ

We had major roof damage after Hurricane Irma, like most people in Southern Florida. Every insurance company and person we spoke to were awful to deal with. We kept getting delay after delay and it seemed like we were never going to get the assistance we needed. A friend recommended Lauren Schaefer, with Kanner and Pintaluga, and we couldn't be happier with the help we are receiving from her and the KP team. We are still going through the process but everyone has been so great. The lines of communication are always open and we never feel left in the dark about anything.
We have been dealing with open claims with our insurance company for over a year! Alexis Altman from Kanner & Pintaluga, P.A. was recommended to us in January 2019. We were able to settle the claims in under three months. The overall experience was really great. Alexis kept us informed every step of the way and explained all available options to us. I can only wish all professional services experiences were as great as the one that we had with Alexis. Thank you!!!!

ANDRES C.

Hurricane Damage Reviews
5.0
2019-07-11T07:16:35+00:00

ANDRES C.

We have been dealing with open claims with our insurance company for over a year! Alexis Altman from Kanner & Pintaluga, P.A. was recommended to us in January 2019. We were able to settle the claims in under three months. The overall experience was really great. Alexis kept us informed every step of the way and explained all available options to us. I can only wish all professional services experiences were as great as the one that we had with Alexis. Thank you!!!!
5
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Kanner & Pintaluga provide hurricane damage representation throughout Florida, including:

Boca Raton
Daytona
Delray Beach
Ft. Lauderdale
Ft. Myers
Gainesville
Hollywood
Jacksonville
Melbourne
Miami
Naples
Orlando
Tampa
Tallahassee
Panama City
Miramar Beach
Blountstown
Quincy
Fort Walton Beach
Pensacola