Navigating the legal process of challenging an insurance company can be tough. Dealing with the aftermath of hail damage is hard enough without considering all the money your insurer is trying to withhold from you. When you work with the Disaster Insurance Claims team at Long & Long Attorneys at Law, you will have an experienced hail damage insurance claims attorney by your side ready to fight for your rights. Our experienced hail damage insurance claims attorneys also serve Orange Beach, Gulf Shores, and Fort Morgan.
A Trusted Partner
If your home or property was damaged by hail, we’ll serve as your trusted partner in the fight to seek the settlement you need to recover.
Results That Matter
We’ve collected more than $500 million for our clients facing the aftermath of natural disasters. Let us put our experience to work for you.
Free Policy Review
Moving on after a natural disaster can feel impossible, but it doesn’t have to feel that way. Get started with a no-pressure and no-risk free policy review.
We Know How Hard Hail Damage Can Hit
Hail can be far more destructive than many people might think. Often, people don’t recognize the severity of hail damage until it has already happened to their property. These damages can be incredibly costly to repair, yet insurance companies will do everything they can to avoid paying you for your losses. That’s why our team will make your case our top priority to ensure sure you receive the settlement you deserve to rebuild after a powerful hail storm.
We Have Collected Over$500 Million for Policyholders
Through our team’s concentrated efforts, we have collected in excess of $500 million for policyholders from insurance companies that would otherwise keep the money for themselves. Our team is equipped with in-depth knowledge of the insurance industry, and we have the experience necessary to put that knowledge to work for your hail damage claim.
Don’t Depend on Insurance Adjusters
Insurance adjusters don’t always have your best interests in mind. To get the most out of your claim, you’ll need a comprehensive damage assessment done to your property in the wake of hail damage. Long & Long can take care of that assessment for you, and we’ll push back against insurance companies should they try to deny you the full compensation you deserve.
Frequently Asked Questions
Hail damage claims must be filed in a timely manner just like every other kind of insurance claim. The specific timeline will vary from policy to policy, but filing too late could invalidate your claim. Be sure to investigate your property after a hailstorm to catch any damage.
While most hailstones aren’t even half an inch in diameter, some as large as 6 inches can fall on your property. With hailstones that large, you could be looking at serious damage like broken windows. Your home’s roof is the most vulnerable to hail damage.
Given the fact that hail damage will primarily affect your roof, opting for impact-resistant shingles is your best bet for protection. In fact, it’s not uncommon for insurance companies to offer discounts to policyholders with stormproof roofs.
At Long & Long, we work on a contingency-fee basis, meaning you won’t be charged a dime until we win your case.
If your home or business has been damaged:
Keep these steps in mind so you can get the most from your claim.
DOCUMENT YOUR DAMAGED PROPERTY
Snap photos of your property that show all areas that were damaged by hail.
DON’T SUBMIT A CONTRACTOR BID
Contractor bids should not be submitted until after the work has been started.
BEWARE OF UNDERINSURANCE PENALTIES
If your policy is subject to penalties for under-insurance, you might not receive as much as you need.
CONSULT AN ATTORNEY IMMEDIATELY
Contact your Disaster Insurance Claims team at Long & Long right away. Public adjusters frequently hand claims off to attorneys, and when that happens, you could be charged twice by them for their damage assessment.
Common Hail Damage Claims Denied by Insurance Companies
Insurance companies always strive to save as much money as possible. Roof replacements can be costly, which is why insurers tend to opt for roof repairs instead. Your claim for a roof replacement may be denied in favor of shingle replacements even if the damage really does warrant a full replacement.
Given the fact that hail is frozen water, it’s not uncommon for there to be water damage as well as damage from the hail’s impact. While homeowners insurance often covers this kind of water damage, it may be under a separate policy. Unless you’re able to claim the damage under its specific policy, you could be dealing with delays and even outright denials.
Insurance companies will blame whatever they can on wear and tear. They’re not responsible for covering damage caused by lack of maintenance, so if they can get away with claiming that your roof was already unstable, they will. That’s why you need a hail damage insurance claims attorney to conduct a proper assessment
Call Long & Long Today
If your home or property was damaged in a hail storm, you deserve to be compensated for your losses. Our hail damage insurance claims attorneys at Long & Long can help you seek every penny you are owed. Call us today or fill out our easy online form for a free policy review.