Our Specialty
Hail Damage Insurance Claim Adjuster
We Would be Honored to Serve You
We specialize in Large Loss Insurance Claims. We are licensed professionals in estimating, preparing and negotiating large loss property damage claims.
D.A. LAMONT
Hail Damage
Hail storms are increasing in the United States, with the average year now accumulating $8 billion to $10 billion in hail damage. Additionally, hailstorms account for 70 percent of insured loss from severe storms.
D. A. Lamont Public Adjusters specialize in Hail Damage. We are experienced in large loss insurance claims with a focus on cities, schools and large commercial buildings.
Public Adjuster for Hail Damage:
Navigating Claims with Expertise
Hail damage, a common consequence of severe weather, is typically covered by insurance policies. However, what many property owners may not realize is that the burden of proof rests on them, not the insurance company. In the aftermath of a hailstorm, it’s crucial to ensure that your insurance provider doesn’t deny you rightful coverage merely to protect their financial interests. D.A. Lamont’s team of public adjusters is not only trained and licensed but also committed to documenting, identifying, and proving hail damage to your insurance carrier on your behalf.
Understanding Hail Damage: Common Culprits
Hailstorms, though transient, can leave a lasting mark on your property, affecting various components in ways that might not be immediately evident. Recognizing the nuanced forms of hail damage is crucial for a comprehensive assessment:
- Roof Damage: Hail poses a particular threat to low-slope roofs, manifesting as bruising, fracturing, granule/surfacing loss, blistering/splitting, and moisture entry. These damages can compromise the integrity of the roof structure, leading to potential leaks and structural vulnerabilities over time.
- Exterior Surfaces: Siding, brick exteriors, and metal surfaces bear the brunt of hail impact. Dents, dings, and surface degradation are common outcomes. Even seemingly minor damage can escalate, affecting not just the aesthetics but also the protective function of these surfaces.
- Windows: Hail can wreak havoc on windows, resulting in cracks or shattered glass. Beyond the immediate aesthetic concerns, damaged windows compromise the insulation and security of your property, making prompt repairs essential.
- AC Units: The delicate fins and coils of AC condensers are prone to damage from hail impact. This damage affects the efficiency and longevity of the units, potentially leading to increased energy consumption and the need for premature replacements.
- Outdoor Equipment: From HVAC components to other machinery, outdoor equipment is susceptible to hail damage. Dents and dings not only compromise the appearance but can also impact the functionality of these essential systems.
- Vehicles: Beyond structures, hailstorms can significantly damage vehicles left exposed. Dented roofs, shattered windshields, and body damage are common, necessitating repairs to ensure the vehicle’s safety and functionality.
- Gutters and Downspouts: Hail impact on gutters and downspouts can result in dents and deformities. While seemingly minor, such damage can impede proper water drainage, leading to potential issues like water pooling and damage to the property’s foundation.
- Landscaping: Delicate plants and foliage can suffer damage from hail, affecting their health and overall aesthetic appeal. Large hailstones may also lead to more severe damage to trees and shrubs.
Comprehensive Baseline Roof Assessment: A Strategic Shield Against Hail Damage
Recognizing the diverse nature of hail damage underscores the importance of proactive measures. D.A. Lamont’s Baseline Roof Assessment stands as a strategic shield, going beyond routine inspections to identify vulnerabilities across various property components. This comprehensive evaluation ensures that potential damage points are highlighted, enabling property owners to take informed steps to reinforce their property against the diverse impacts of hailstorms.
By understanding the multifaceted nature of hail damage, property owners can appreciate the significance of a thorough assessment and the value of professional public adjusters in navigating the complexities of hail damage insurance claims.
Roof Insurance Claims
Roof insurance claims are complex, demanding a deep understanding of construction, historical roof data, and a keen eye for detail. D.A. Lamont’s public adjusters bring knowledge and experience to the table, employing various strategies to secure the best possible results for you. When hail damage occurs, our inspection goes beyond the roof, encompassing AC condensers, metal surfaces, brick exteriors, siding, windows, and more. Utilizing state-of-the-art equipment, we promptly identify and prove damages to insurance adjusters.
Why Choose a Public Adjuster for Hail Damage Claims?
Dealing with hail damage to your property can be a daunting experience, and navigating the complexities of insurance claims adds an additional layer of stress. Opting for a public adjuster in the aftermath of a hailstorm is a strategic decision that brings several advantages to the policyholder.
- Expertise in Hail Damage Assessment: Public adjusters specializing in hail damage claims possess a deep understanding of the nuanced signs of damage. From roof assessments to evaluating damage to exterior surfaces and other property components, their expertise ensures that no aspect is overlooked.
- Insurance Policy Understanding: Deciphering the language and intricacies of insurance policies can be challenging for property owners. Public adjusters are well-versed in insurance policies, enabling them to interpret the terms and conditions that govern hail damage claims. This understanding ensures that policyholders receive the maximum entitled compensation.
- Documentation and Evidence: Hail damage claims demand meticulous documentation to establish the extent of the damage. Public adjusters, skilled in thorough documentation, ensure that every detail is recorded. This includes photographic evidence, written assessments, and comprehensive reports that serve as compelling evidence during the claims process.
- Negotiation Skills: Engaging with insurance companies can be an intricate process. Public adjusters act as advocates for policyholders, leveraging their negotiation skills to secure a fair and equitable settlement. This is particularly crucial when insurance companies might seek to minimize payouts.
- Time and Stress Savings: Managing a hail damage claim involves significant time and effort. Public adjusters take on the burden of the claims process, allowing property owners to focus on recovery. Their involvement streamlines the process, reducing stress during what is already a challenging time.
- Legal Compliance: Public adjusters operate within the legal framework, ensuring that all actions taken adhere to regulations. This is crucial, especially when litigating a claim or dealing with complex insurance laws that vary by jurisdiction.
- Maximizing Compensation: Ultimately, the goal of a public adjuster is to maximize the compensation received by the policyholder. This includes not only the immediate visible damages but also latent damages that might manifest over time. Their commitment is to ensure that the financial recovery is commensurate with the actual losses incurred.
In choosing a public adjuster for hail damage claims, property owners align themselves with professionals dedicated to their best interests. From comprehensive damage assessment to skillful negotiation, a public adjuster serves as a trusted ally throughout the intricate process of securing rightful compensation for hail-related damages.
Independent Hail Damage Adjusters:
Unraveling Complexities
Our team possesses extensive experience in handling hail claims, especially when complexities arise regarding the age and condition of the roof. Questions about whether the hail damage is structural or cosmetic, and whether other causative issues exist, demand a nuanced approach. As independent hail damage adjusters, we navigate these intricacies to ensure a fair and comprehensive resolution.
Technology:
Working For You!
Infrared Cameras
Drones
Wind Uplift Chamber
Moisture Deck Scanners
Destructive Testing
Nuclear Moisture Deck Scanners
Microscopic Evaluation
Forensic Analysis
Engineers, Consultants and In-house Adjusting
Frequently Asked Questions
Hail damage isn’t always immediately apparent. While some damage may be visible, other issues might be hidden and manifest over time. This is why a thorough inspection by a professional, like our team at D.A. Lamont, is crucial for identifying both visible and latent damage.
It’s advisable to file a hail damage insurance claim as soon as possible. Delays in reporting damage could affect the processing of your claim. Our team can assist you in promptly documenting and reporting the damage to initiate the claims process efficiently.
While insurance adjusters aim for fairness, their allegiance ultimately lies with the insurance company. Having an independent public adjuster on your side ensures that your interests are equally represented. We work exclusively for you, the policyholder, to maximize your compensation.
The Baseline Roof Assessment service is a proactive approach to understanding your roof’s condition before and after a hailstorm. It helps in identifying pre-existing issues, assessing storm-related damages accurately, and providing comprehensive documentation for insurance claims, increasing the chances of a favorable settlement.
Filing a legitimate hail damage claim typically does not result in increased premiums. Insurance companies generally categorize weather-related events as acts of nature, and premium adjustments are more likely due to widespread catastrophic events affecting an entire region. It’s essential to discuss specific concerns with your insurance provider.
Yes, signs of hail damage can include dented or bruised roofing materials, broken or cracked windows, and dents on metal surfaces. However, some damage may not be immediately visible. If you suspect hail damage or your area has experienced a hailstorm, it’s advisable to schedule a professional inspection.
While it’s possible to handle a hail damage claim independently, the process can be complex, and insurance companies may challenge or undervalue claims. Working with a public adjuster provides expertise, advocacy, and a higher likelihood of securing the compensation you deserve.
If your hail damage claim is denied or undervalued, our team can assist in disputing the decision. We’ll review the denial, gather additional evidence if needed, and work to present a compelling case to ensure you receive fair compensation.
After a hailstorm, document the damages with photographs, make temporary repairs to prevent further damage, and contact us promptly for a comprehensive assessment. Taking swift action can strengthen your insurance claim and expedite the recovery process.
Hiring a public adjuster can significantly benefit your hail damage claim. We bring in-depth knowledge of the insurance claims process, experience in documenting damages, and expertise in negotiating with insurance companies. Our role is to work exclusively on your behalf, ensuring that your interests are prioritized and that you receive the maximum compensation for the damages sustained. Whether it’s navigating the complexities of your insurance policy, providing a thorough damage assessment, or advocating for your rights during negotiations, our team is dedicated to streamlining the entire claims process for your convenience and peace of mind.
D. A. Lamont Public Adjusters use state-of-the-art techniques to find or document any areas of your property that have been altered by damage.
Our team of public adjusters will assess, in detail, the physical damage your property has sustained as well as the cost of the business interruption caused by the damages.