Securing coverage for hail damage losses can be difficult

If you were to talk with anyone from another state about the weather here in Florida, chances are very good that outside of a hurricane they would scoff at any suggestions you might make about our weather sometimes being less than ideal.   

While it’s true that we enjoy more than our fair share of warm and sunny days, the reality is that these are interspersed with a fair number of rainy and even stormy periods. Indeed, statistics from the National Oceanic Atmospheric Administration reveal that there were 59 reported episodes of heavy rain in the state from December 2014 to December 2015.

In fact, it’s not just heavy rain that we have to endure here in the Sunshine State, but also strong winds and, of course, hail. In fact, NOAA stats reveal that during the same timeframe in question there were 114 reported episodes of this icy — and often destructive — form of precipitation.

If you still have a hard time associating Florida with hail, consider that one insurance industry study ranked our state third in the nation for hail damage claim severity from 2000 to 2013. Indeed, the average annual claim was found to be $7,900.

In light of numbers like these and the fact that we are on the cusp of what could be termed the start of hail season — NOAA found that the most hail events in 2015 occurred during the months of April, May and June — it’s important for homeowners to remember that insurance companies often prove unwilling to cover losses for hail damage.

For example, a claims adjuster may unjustly determine that there is no hail damage to your roof or that the damage is attributable to some other cause.

It’s also important to understand that in the event an insurer does deny your claim for hail damage that you do have options. Indeed, a skilled legal professional can guide you through the process and fight to protect your best interests the entire time.