Hailstorms are common in Texas, and they often cause significant property damage. Today, we share tips to help Texas homeowners navigate the hail claim process smoothly and receive the maximum compensation for their property damage.
Here are Liberty Adjusters’ 6 steps to claim success! (Psst...it starts with submitting an insurance claim.)
1. Call a Public Adjuster
The first step is to call a public adjuster (like us, here at Liberty Adjusters. We’re experts at going to bat for you and getting the most possible for needed repairs). You see, a public adjuster works on your behalf to file your claim correctly and negotiate a fair settlement with your insurance company, ensuring the best outcome for your claim.
Learn More > The Benefit of Calling a Public Adjuster
2. Understand Your Insurance Policy
With your public adjuster's guidance, review your insurance policy to understand coverage limits, deductibles, and specific requirements for filing a hail damage claim. Your adjuster will help you make sense of your policy and guide you through the necessary steps.
Not dealing with damage but still curious about your policy? We’ll do this for FREE! Just give us a call anytime!
3. Document the Damage
Be sure to document the damage when it’s safe to do so. Start with taking photos and videos of affected areas, then create a detailed list of damaged items. This documentation is invaluable for filing your claim and negotiating a settlement.
Additionally, keep any receipts for repairs or accommodations you needed after the damage occurred, it’s all useful and will help you get compensated.
Your public adjuster can advise you on the best way to document the damage to maximize your claim.
4. File the Hail Damage Claim
Your public adjuster will help you contact your insurance company to file a hail damage claim. They will assist with preparing necessary documentation, including your policy number, personal information, and a description of the damage, and ensure you submit the photos, videos, and lists created while documenting the damage.
5. Meet with the Insurance’s Adjuster
Your insurance company will send in an adjuster to assess the damage, as they’ll need to confirm what they are paying for. It all seems in good faith… but often times the insurance adjuster is hoping to find a reason for the insurance to pay you less. After all, the insurance companies make more money when they pay you less.
Don’t worry, our adjuster will be there with you, ready to answer any questions with your best interest in mind.
6. Receive a Fair Settlement
With your public adjuster's help, review the settlement offer provided by your insurance company to ensure it covers the full extent of the damage. If you're not satisfied, your public adjuster will negotiate for a better settlement on your behalf.
Contact Liberty Adjusters Today!
Navigating the hail claim process can be daunting, but with these tips, Texas homeowners can feel confident in their ability to receive a fair settlement for their property damage.
If you need assistance with your hail damage claim, contact us. Our team of experienced public adjusters is here to help you, every step of the way. Lean on Liberty Adjusters today!