Mansell, Engel & Cole

Filing an insurance claim for hail damage to your home

You pay for homeowners' insurance, and you rightfully expect that your insurance company will pay for any damage done to your home. This is how insurance companies and policies should work, but that is not always the case. In fact, many Oklahoma homeowners actually find that it is quite complicated to get what they need, even from a valid claim.

There are many reasons why you may need to file a claim, and one of the most common is damage to the roof and other areas caused by hail. Oklahoma sees many storms each year, and many of them can cause damage to your home. It can be helpful to know the signs of damage, what they can mean for your house and how you can fight back in case the insurance company acts unfairly.

The effects of hail on your home

You've probably witnessed the damage that hail can cause to a vehicle. While hail may not cause small indentations on your roof, it can do other things that can undermine the quality of your house and lead to issues that can be quite expensive to repair. Some of the most common factors that determine the impact of hail on your property include the following:

  • The speed of the wind and the direction it is blowing can affect where the hail hits your roof and how hard it hits your roof.
  • Some hail is very small, and it is incapable of causing damage to your home. There certain types of hail that are quite large and heavy, and they are capable to doing real damage.
  • The type of material on your roof can also impact how much a hailstorm can damage your home. Depending on what your roof is made of, it can leave dents or even cracks.

Even if you have significant damage to your home and valid reason to file a claim, insurance companies are more concerned with their bottom lines. A denied claim is frustrating, but it is not the end of the road for you.

Experience matters

When you are fighting for the full amount of money from your insurance company that you deserve, experience matters. This is why it is often helpful to first speak with an attorney who knows what is at stake for you and can help you fight back. You will find great benefit in working with someone who understands the system and can help you navigate the claims process.

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