Florida is no stranger to wind and hail. These types of storms can wreak havoc on your roof, siding, windows, and more. All too often, Orlando homeowners and businesses find problems associated with their insurance coverage after filing a hail and wind damage claim — especially when it involves their roof. The experienced roof damange attorneys at The Law Offices of Garcia & Zalloum in Longwood, FL, review your homeowners insurance policy and dispute the insurance adjuster’s findings to recover the money your policy allows after suffering a loss.
Get Help with a Wind & Hail Insurance Claim Dispute
Wind damage can compromise the integrity of your roof, causing permanent damage that may lead to leaks or other roof failures. Winds can “lift” shingles causing them to crack, curl or detach from the roof. It can also bend or tear flashing around chimneys, vents and the roof’s edge. Falling tree limbs can scrape against shingles, exposing them to the sun’s ultraviolet light and cause premature failure. If large enough, tree limbs have been known to puncture the surface of the roof or cause structural damage.
Wind and Hail Damage
Does insurance cover wind damange?
Most homeowners policies cover damages caused by wind and wind-driven rain. Trees that fall on your home or business — as a result of the storm —are usually covered as well.
Is hail damage covered by insurance?
Hail is covered by your homeowners insurance policy, but there are a number of factors involved. For instance, the age of your roof plays a significant role in the claims process. If your roof is less than 10 years old, you may receive 100% of the cost for repairs or its replacement. With a roof that is more than 10 years old, your insurance company may factor in depreciation and only pay you a portion of what it would cost to replace an entire roof. However, should your insurance adjuster determine that the damage is due to normal wear and tear, then it’s considered regular maintenance and unfortunatley, will not be covered under your policy.
How do I know my roof has hail damage?
Hail damage to a roof is not always easily seen. Unless you experience golf-ball-sized hail, there will not be holes or indentations on your roof. However, hail that lasts longer than a few minutes or is driven by high winds can cause severe damage. When hail stones impact your shingled roof, they remove the layers of protective granules. The loss of the granule layers leave the shingle exposed to the sun’s UV rays and cause it to deteriorate in a very short amount of time. Sometimes granule loss is minimal or hard to detect, whereas, other times it is very obvious with many large dark spotted areas missing in the granule layers.
Why can’t the insurance adjuster find damage on my roof after a hail storm?
It’s possible the insurance adjuster isn't finding any damage because there isn't any. However, it could also be that the adjuster missed the indications of damage — this can especially be the case if they are new or not experienced with this type of claim. Are your neighbors' roofs damaged? Are you seeing their roofs being replaced? If so, ask your insurance company for another inspection with a different adjuster.
Does insurance cover my fence?
Your insurance may cover fences. A home insurance policy typically has “other structures” coverage for instances including a loss to your fence, shed, or a detached garage on your property if they were damaged by a covered event such as a wind storm or a fallen tree. However, there are exclusions to this, and at times, the insurance company may only want to replace a few pickets of your fence, or deny your claim stating neglect due to an “unhealthy” tree.