Summer is the season of hail in Colorado, and hail do we get. Colorado is among the most hail-prone states in the U.S. primarily due to the state’s high elevation. The Front Range and areas eastward (including the Denver metro area) are located in what’s known as “hail alley” and commonly experience several significant hail events each year. For homeowners, this can spell major damage to our properties and give rise to ever-increasing insurance premiums. Unfortunately, it also leaves room for insurance companies to engage in bad faith practices and try to deny or underpay claims.
Types of Damage Caused by Hail
Hail storms cause billions of dollars worth of damage to homes, vehicles and other property, and insurance companies are on the hook for paying for most of it. Hail damage insurance claims can be filed for the following types of damage:
- Roof damage
- Chimney and vent damage
- Siding damage
- Gutter damage
- Window and screen damage
- HVAC system damage
Repairing damage to these structural elements is critical to preventing further damage to your home. The biggest reason for repairing damaged property has to do with water damage. A hail-damaged roof is vulnerable, and over time (sometimes sooner rather than later), these vulnerabilities make themselves known in the form of major leaks. If you suspect hail damage to your roof or siding, don’t delay in getting it inspected – and fixed!
Paying for Hail Damaged Property
The cost of repairs and replacement for hail-damaged items can be steep depending on the amount of damage you have and the type of materials needing replacement. Ensuring you have adequate homeowners insurance to cover hail damage is imperative, especially if you live in Colorado.
Routinely review your insurance policy so you know what your deductible is (often there are separate wind and hail deductibles) and understand any exclusions. For example, some policies have a cosmetic damage exclusion meaning the insurance company won’t pay for damage that only affects the appearance of the home. Being informed about the details of your policy will help prevent misunderstandings with your insurance company and will alert you to any signs of malpractice. If you need an advocate or simply help navigating the complex insurance claim process, turn to our team of legal experts at Kandell, Kandell & Petrie Law Firm. We have more than 50 years of combined legal expertise and are here to ensure you receive the relief you deserve for your hail damage insurance claim in the greater Denver area and throughout Colorado.
