There is a saying that if you don't like the weather in Texas - wait five minutes; it'll change. That's certainly true from November through June each year, when the Dallas-Fort Worth metroplex is peppered with rain, winds, hail, ice and tornadoes from Allen to Weatherford. In addition to causing hazards to motorists, extreme weather conditions can also cause significant and costly property damage both to vehicle and to homes.
Hail damage in particular can lead to costly home repairs since most houses in Texas have asphalt roofs as opposed to sturdier materials such as tile or slate. Most homeowners' insurance policies should cover hail damage and in most cases you should be able to arrange compensation for the damages yourself with little trouble. As with personal injury claims, however, it is prudent to remember that insurance companies are big corporations who make their profits from denying claims. If you feel that your insurance company is treating you unfairly, either wrongfully denying or delaying your payment, then it might be necessary to consult with an attorney who can advise you on how to proceed from a legal standpoint.
The Insurance Company Won't Pay The Full Amount.
There are occasions when insurance companies refuse to pay out the full amount due to cover the cost of the roof repairs following significant hail damage. There might be several legitimate reasons why this might be so; for example:
- The insurance adjustor might have missed something. Review their estimate to see if there is anything that you think they have overlooked. If you believe you know what the problem is, contact the adjustor yourself to see if they can fix the problem.
- Likewise, the insurance adjustor and the contractor may have conflicting measurements of the affected area in need of repair. Make sure that you compare both the adjustor and the contractor's assessments to make sure they are both concerned with the same total damage. If the adjustor's report is not as thorough, you are entitled to schedule a reinspection for the adjustor to come out and take a second look at the damage and reevaluate.
- If the adjustor and the contractor who is going to do the repairs differ on the value of the repairs, you will need to get a quote done by alternative construction companies. If all of the quotes come back for more than the adjustor initially estimated, it may be possible to get a supplementary payment from the insurance company.
The bottom line is that whatever the repairs end up costing, the insurance company should pay, minus your deductible.
If you continue having problems getting the insurance company to pay you the full amount to cover the hail damage, you have the right to hire a lawyer who will fight for your right to fair compensation. A lawyer will be able to sue the insurance company or achieve additional money for you through a process called mediation. Call the Anderson Law Firm toll free at 800-354-MARK (6275) to a free consultation on your situation. Alternatively, you can call us locally at 817-294-190 in Fort Worth or 214-327-8000 in Dallas.
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