Insurance Adjuster Says No Hail Damage - What Now, Fam?

Insurance Adjuster Denied Roof Damage Archives Sellers Roofing from www.roofingexpertsstpaul.com

Greetings, Fam!

So, you've just had a hailstorm hit your area, and you think your car or house may have sustained damage. You file a claim with your insurance company, and an adjuster comes out to assess the damage. But when the adjuster gives you the verdict - "no hail damage" - you're left scratching your head. What do you do now? Don't worry, fam, we've got you covered. In this article, we'll break down what to do when your insurance adjuster says no hail damage.

What is a hail damage adjuster?

Before we dive into what to do when an adjuster says no hail damage, let's first define what a hail damage adjuster is. A hail damage adjuster is a professional who specializes in assessing damage caused by hailstorms. They are typically dispatched by insurance companies to evaluate claims made by policyholders for damages sustained to their property due to hail.

The importance of a hail damage adjuster

Hailstorms can cause significant damage to property, and it's important to have a professional assess the damage to ensure that you receive the proper compensation from your insurance company. A hail damage adjuster will thoroughly inspect your property to identify any damage that may have been caused by hail. They will take photos, document the damage, and provide an estimate for repairs.

What to do when your insurance adjuster says no hail damage

Now, let's get to the juicy part of this article - what to do when your insurance adjuster says no hail damage. First and foremost, don't panic. Just because the adjuster says there's no hail damage doesn't mean that's the final verdict. Here are some steps you can take:

Step 1: Get a second opinion

If your insurance adjuster says there's no hail damage, but you're convinced that there is, get a second opinion. You can hire an independent hail damage adjuster to come out and assess the damage. You will have to pay for this service yourself, but it may be worth it if you believe you're not getting the compensation you deserve. Make sure to get a written estimate from the independent adjuster to provide to your insurance company.

Step 2: Ask for a re-inspection

If you're not comfortable getting a second opinion, you can ask your insurance company for a re-inspection. Sometimes, adjusters miss damage or don't thoroughly inspect the property. Asking for a re-inspection can give you another chance to point out any damage that may have been missed during the initial assessment.

Step 3: Review your insurance policy

Make sure to review your insurance policy to understand what is covered and what is not. Some policies have exclusions for certain types of damage, including hail damage. If you have any questions, reach out to your insurance agent for clarification.

Step 4: File a complaint

If you believe that your insurance company is not properly assessing the damage or providing the compensation you deserve, you can file a complaint with your state's department of insurance. They will investigate the matter and ensure that your insurance company is following proper protocol.

The bottom line

Dealing with insurance companies can be frustrating, especially when you believe that you're not getting the compensation you deserve. If your insurance adjuster says no hail damage, don't give up. Take the necessary steps to ensure that your property is properly assessed, and you receive the compensation you're entitled to. Remember, fam, you have rights and options. Don't let the insurance company bully you into accepting a verdict that you don't believe is fair.

Peace out, Fam!

Source: www.roofingexpertsstpaul.com