Florida homeowners at risk of hail and roof damage

The number of claims filed by homeowners who have suffered storm damage has increased significantly in recent years. According to some reports, these claims increased following hurricanes such as Hurricane Irene and Hurricane Sandy.

Florida homeowners are especially at risk of suffering different types of damage. As the wind comes off the Atlantic Ocean and the Gulf of Mexico, it can knock down trees and send them crashing through roofs and windows. Those falling trees can cause thousands of dollars of damage in a short period of time. Hail and high winds can also cause damage to vehicles.

Those living in the state are also at risk of suffering injuries due to these incidents. For example, someone standing next to a window might break a leg or suffer a concussion after a tree breaks through it.

After an individual files a report for falling trees, roof damage or hail damage with an insurer, the insurer should cover the repairs needed. If the insurer fails to cover that damage or claims that it is outside of the policy, the individual may wish to consult with an attorney.

Roof damage claims can lead to an insurer cutting a check for a specific amount to the homeowners or giving estimates as to the cost of the repair. If the incident led to some type of personal injury, an attorney can gather medical documentation and examine the damage done to the house in an effort to recover compensation for their client. In the case of a homeowner who has insurance that covers acts of mother nature, an attorney might prove that the company is responsible for compensating the client.

Source: Claims Journal, “The Emerging Hail Risk: What The Hail Is Going On?“, Steven Badger, December 15, 2014