Hail Damage Insurance Claim Florida – What’s Covered & Next Steps

Understanding Hail Damage and Florida Insurance Policies

Why Florida Is Prone to Hailstorms

Florida may be known for sunshine, but its weather isn’t always friendly. Hailstorms, especially during the spring and hurricane seasons, are not uncommon. Warm, moist air colliding with cold fronts can quickly brew violent storms, and when the conditions are right, ice chunks start falling from the sky like nature’s bullets.

Common Signs of Hail Damage on Properties

Not all hail damage is dramatic. Sometimes, the signs are subtle, like:

• Dented gutters or downspouts
• Cracked or bruised shingles
• Granule loss on asphalt roofing
• Cracked skylights or broken window seals
• Damaged HVAC units or screens

Even minor impacts can lead to leaks, structural rot, or insulation problems if left unchecked.

Does Homeowners Insurance Cover Hail Damage?

Standard Policy Coverage for Hail

Most standard homeowners’ insurance policies (especially HO-3) cover hail damage, considering it a “named peril.” If your roof, siding, or windows are hit by hail, you can file a claim for repairs or replacement.

However, there’s a catch: insurance companies often scrutinize these claims very closely.

Exclusions and Limitations to Know

Coverage isn’t automatic for every situation. Here’s what to watch out for:

• Separate deductibles: Wind or hail deductibles may be higher than standard ones.
• Cosmetic exclusions: Some policies cover only “functional” damage, not dings or dents.
• Age of the roof: Coverage may be limited if your roof is old or past a certain age threshold.

Cosmetic vs. Structural Damage

Insurers love to label hail damage as “cosmetic,” even when it affects performance. If your metal roof is dented but not leaking, don’t assume it’s harmless. That dent might weaken the structure over time or lead to rust.

Common Types of Hail Damage in Florida Homes

• Cracked or bruised asphalt shingles
• Dented metal roofing and gutters
• Broken skylights and windows
• Leaks due to punctured roofing membranes
• Damaged HVAC units or outdoor fixtures
• Water damage caused by roof breaches

Insurers often claim this damage is cosmetic or preexisting. Your claim may be reduced or denied entirely without strong documentation and legal support.

Mistakes to Avoid After Hail Damage

Waiting Too Long to File

In Florida, you generally have one year from the storm date to file a new claim. Waiting too long gives insurers ammunition to deny it, claiming the damage is unrelated or old.

Making Repairs Before Documentation

It’s tempting to patch up a leaky spot before taking photos, but doing so may cost you a fair claim. Always document first.

How to File a Hail Damage Insurance Claim

Hail damage to your roof isn’t always easy to spot. If the hail is large enough (1” in diameter or bigger), you will most likely see dents/dings on your shingles. Just because your roof doesn’t have large dents in the shingles doesn’t mean you won’t have hail damage. Additional signs of hail damage to your roof include dings, dents, and splatter marks on your vents, gutters, flashing, and other roof penetrations.

1. Document the Damage

• When it’s safe, take extensive photographs of the damage to your home from the ground. You should also review your insurance policy to know what to expect and what questions to ask.
• Do not start repairs. Cover the damage with a tarp to protect your home while processing the claim.

2. File a Claim

• When you file a claim, you request that your insurance company pay for home repairs based on the policy coverage.
• Your insurance company will send an adjuster to assess your home or roof damage. If this adjuster determines that your damage is only cosmetic, your policy will likely not cover the repair costs for the damaged shingles.

• Dealing With the Insurance Adjuster: Adjusters work for the insurance company, not for you. Be polite but firm. Point out all damage, provide documentation, and request a copy of their report for your records.

Remember, insurance companies are businesses that make substantial profits by denying claims. A new roof is a significant expense, even with you paying a portion of the costs through your deductible. So, if they can find any excuse to avoid their responsibility to pay, they will take it.

 Florida Laws and Time Limits for Hail Claims

Under Florida law, you typically have one year from the date of loss to file an initial property insurance claim and 18 months to file a supplemental claim (as per SB 76 passed in 2021). If your insurer denies or underpays your claim, you have five years to file a lawsuit under Florida’s breach of contract laws.

However, delays reduce your chances of success, especially if additional storms or wear and tear cause further damage.

Why You Shouldn’t Rely Solely on Your Insurance Company’s Adjuster

The adjuster sent by your insurance company does not work for you—they work to protect their employer. It’s common for these adjusters to:

• Overlook subtle roof or shingle damage
• Claim no functional damage occurred
• Recommend minor repairs instead of full replacement
• Attribute damage to “poor maintenance” instead of hail

A Florida insurance claim attorney for your hail damage ensures your interests are prioritized and all documentation is comprehensive, accurate, and persuasive.

 What Your Homeowners’ Insurance Should Cover

• The Typical Hail Damage Coverage: Most Florida homeowners’ insurance policies cover hail damage under the windstorm provision. However, how much you’re covered for and how easy it is to get that money is a different story.
• Roof Damage and Deductibles: Your roof is often the most expensive thing hail hits. And in Florida, policies might have high wind/hurricane deductibles. Sometimes, that deductible can be 2-5% of your home’s insured value. That’s thousands of dollars.
• The Role of Depreciation and ACV vs RCV: Insurance companies often pay Actual Cash Value (ACV) unless you have Replacement Cost Value (RCV) coverage. That means they’ll deduct for depreciation, so your old roof might be valued at pennies.

Tips to Ensure Adequate Hail Damage Coverage

• Review Your Policy: Understand what is and isn’t covered. Ask your insurance agent about exclusions or limitations related to hail damage.
• Upgrade Your Roof: If your roof is old or damaged, consider replacing it with impact-resistant materials, which may qualify you for a premium discount.
• Maintain Your Property: Regular maintenance can reduce the likelihood of denied claims due to poor upkeep.
• Add Endorsements: Adding endorsements or riders to your policy in hail-prone areas can provide extra protection.

Signs You Should Hire a Florida Insurance Claim Lawyer

Hiring a lawyer isn’t just for lawsuits. An expert Florida insurance claim lawyer can level the playing field, guide you through the process, and maximize your claim payout. You should consider hiring legal representation if:

• Your claim was denied, partially denied, or underpaid
• The insurance adjuster refuses to acknowledge the damage
• You’ve received a lowball settlement offer
• The insurer insists the damage is cosmetic only
• Your adjuster seems to delay communication
• The insurer requires an Examination Under Oath (EUO)

In these scenarios, your lawyer can gather evidence, negotiate with adjusters, and file a lawsuit to secure the full compensation you deserve.

Has Your Hail Claim Been Denied or Underpaid in Florida?