The day after a large wind or hailstorm, many homeowners likely wake up the following morning and walk outside to check and see if there was any damage caused to their loving home. A storm strong enough to produce extreme gusts of wind or hail can damage a home significantly. This damage can include broken windows, roof damage, gutters blown off the side of a house, and a whole host of other forms of damage that can often require thousands of dollars in costly repairs. Due to the ever-changing world of insurance policies and a large number of exclusions contained in the tens (and sometimes hundreds) of pages of every homeowner’s insurance policy, many California homeowners are often unclear after a storm has occurred whether their homeowner’s insurance will provide coverage for the damage they suffered. Whether the damage was caused by wind, or hail, it's important for every policyholder to know what they're covered for, and how much they are actually covered. This is why it's incredibly important to consult with an experienced California property damage attorney like the attorneys of JT Legal in connection with any damage done to your loving home. Our experienced property damage attorneys can assist you in determining how much of your damage caused by a windstorm, or hailstorm, is covered by your homeowner’s insurance policy, assist you in filing a claim with your insurance company, and then negotiate with your insurer if they attempt to low-ball you for the severe damage your home suffered.
Homeowner’s insurance is one of the least understood types of insurance out there. By way of comparison, life insurance is fairly simple; if the person on whom the policy has been written dies, the beneficiaries receive a payment. Even health insurance seems fairly simple when compared with homeowner’s, with its many exclusions, deductibles, co-pays and coinsurance. However, despite its often confusing nature, homeowner’s insurance will typically cover damage to a California homeowner’s property in the event of windstorms or hailstorms. However, the full value of whatever damage that may have occurred to your home, may not be covered at all. For example, some policies will take the age of the homeowner’s roof into account when providing coverage for damage to a roof. Other policies may offer full coverage for whatever it costs to fix the roof, no matter how old it is. Therefore, the amount of coverage that you can expect depends entirely on your policy. What you can count on is that the insurer will send an inspector or adjuster out to inspect the damage and determine the total damage your home may have suffered. Often times, the insurance inspector will then attempt to minimize the damage you have suffered by lessening the amount they would have to pay out on your property damage claim.
A strong storm can cause significant damage to your home. The worst thing that can happen is if part of your roof is torn off and your homeowner’s insurer is attempting to low-ball you on the amount of damage that your home has suffered. If your home has been damaged in a windstorm or hailstorm in Southern California, contact the experienced property damage attorneys at JT Legal Group at 888.529.3111 to ensure that (i) your insurer properly covers the damage caused by the wind or hailstorm and (ii) pays you the maximum amount of compensation called for under your insurance policy. Our experienced lawyers help you by handling all aspects of your property damage claim, from the initial investigation, to filing a claim with your insurer to negotiating the amount that your insurer will compensate you for your damages due to a hail or windstorm. Contact us today for a free 15 minute consultation regarding your situation.
You can find a storm report for your area here: Storm Prediction Center
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