The people of Oklahoma City who have lived in this state for any length probably know about the wild extremes in Oklahoma’s weather.
While it can be scorching hot in the summer, it can get cold enough in the winter to cause frozen pipes and other dangerous conditions both to people and property. Ice storms and severe blizzards also present risks to property.
During the rest of the year, severe thunderstorms threaten Oklahoma’s commercial and residential properties. Of course, tornadoes and straight-line winds are a threat.
However, statistically, Oklahomans frequently also have to file for hail damage claims. Mid-sized to large hailstones can cause significant damage to both vehicles and the rooftops of homes and buildings. Especially if driven by the wind, hailstones can also break glass and damage other structures.
Insurance companies may try to rely on escape clauses to avoid hail claims
As is the case with other types of weather-related claims, property insurance companies may try to avoid paying to compensate a family or busines for hail damage.
In some cases, they may rely on policy language that suggests that the company only has to pay for actual as opposed to merely cosmetic damage to a home. Effectively, the company has to argue that they do not have to pay because the hail damage really isn’t that bad.
In the other cases, the company may try to apply a higher deductible or even claim that the roof was already in bad shape.
While it is true that insurance carriers should only have to pay what they agreed to pay, too often, these carriers and their claim adjusters refuse to pay or underpay valid claims both for hail damage and for other severe weather.
When this happens, Oklahoma businesses and families may need experienced legal representation to leverage the insurance company into paying what it should.