I’ve been denied on my Hail Damage Claim?


See 2011 Update at end of article)

Many homeowners have seen most of their neighbors get new roofs from the hail storms in Atlanta of 2008-2011 only to be denied by their insurance company.  We see it quite often.

How does this happen?  Because the opinion of whether your home has damage or not is up to the adjuster who inspects your home.  It’s a subjective opinion based on what the adjuster believes is adequate damage to pay for your roof to be replaced.

Each insurance company has a requirement for the amount of hail “dings” they require in a 10′ x 10′ section of your roof (called a square).  Requirements vary from 6 “dings” up to 16″ dings per square.  We know what insurance companies require, so feel free to contact us at 404-933-6610 if you are interested in knowing the requirements of your insurance company.

We’ve run across many homeowners who have been denied once, twice, or in some cases…three times by adjusters who have inspected their roofs.  It’s often legitimate to complain when everyone but you got a new roof.,,sometimes it’s not.

There was a good article in the AJC about homeowners who have complained about their insurer treating them unfairly during their claim.  CLICK HERE to read the article.  It also gives information about filing a complaint with the State Insurance commission.  We won’t name names, but we have a good idea who gets the most complaints based on our dealings with the insurance companies.

If you haven’t had your home inspected and you haven’t put in a claim, we strongly suggest you have representation throughout the process.  First, you need a thorough pre inspection to determine if you have enough damage to put in a claim.  Next, you NEED someone to get up on the roof with the adjuster to make sure you are fairly represented during the inspection.  Finally, if approved, you need someone with experience to make sure you have been compensated fairly for your Hail Damage claim.

Home Asset Protection Services offers all of these services, and our pre inspection and adjuster meetings are FREE of charge.  If we do a pre inspection and find damage we are more than happy to represent you during the adjuster inspection to help you get your claim approved.  If we don’t find damage, we don’t want to waste time on a roof that will not get approved.  This keeps you from putting in a claim if you don’t need to, and it increases your chances for approval.

Also, during our pre inspection we take pictures to show you the damage we find.  This helps you make the decision to move forward and file the claim when you see that damage did occur from the recent Hail Storms in the Metro Atlanta area.

If you are interested in finding out if your roof may qualify for replacement from hail damage, call at 404-933-6610 or us or CLICK HERE to set up a consultation or pre inspection appointment.  Don’t delay as time could be running out to file a claim from these storms.

If you’ve been denied on your claim, we’ll check out your roof and give an honest opinion.  If we find damage, we’ll represent if you decide to have an aduster come out for a second inspection.  Sometimes persistence pays off.  It could be worth thousands of dollars to you.

UPDATE (May 2011):  In early 2011 a few storms hit the Metro Atlanta area.  We’re seeing approval rates skyrocket due to the recent storms.  If you were denied in the past year this is the best time to revisit a roof inspection to see if you can get approved (if you have damage).  Historically, approval rates are very high right after the storm.  We be glad to discuss why if you give us a call.  Now is the time to have your roof inspected!!! Call George at 404-933-6610 to discuss your options.

3 Responses to “I’ve been denied on my Hail Damage Claim?”

  1. Justin Stephens Says:

    I bought a home in Nov, 2010 that had hail damage in Mar, 2009. The home had been foreclosed on and I had no knowledge of the hail damage when I bought it. Six out of seven homes in my cul-de-sac got new roofs due to the hail damage in 2009. We had another hail storm on 2/28/2011. I had five roofing contractors, neighbors, and other contractors tell me that there is hail damage. Immediately, I filed a claim with USAA. The Adjuster’s report states that there is only hail damage to the turtle vents on the roof. I would like an honest opinion before I request another Adjuster.

    • imaniceperson Says:

      We see this often. We will be glad to inspect your roof and give you our opinion on your chances of approval. While the approval process is subjective in the eyes of the adjuster; we know that your chances for approval increase dramatically when you have representation from a reputable company with in good standing with the insurance companies. We advise you not to reopen the claim until we’ve inspected your roof. Then we’lll give you a percentage guess for your chance for approval. We know it’s frustrating as we see this same scenario every day; but if you eventually get thousands of dollars for your replacement….it’s worth it.

  2. Just wanna tell that this is extremely helpful, Thanks for taking your time to write this. “The least of learning is done in the classrooms.” by Thomas Merton.

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