Avoiding Common Insurance Pitfalls After High Winds, Hail, and Heavy Rain

Spring brings a mix of severe storms, heavy rain, hail, and high winds—all of which can cause serious damage to homes and properties. While homeowners rely on insurance policies to cover these damages, the reality is that many claims are delayed, underpaid, or denied altogether. Understanding how to navigate the claims process can be the difference between a smooth recovery and a costly battle with your insurer.

Common Types of Spring Storm Damage

Spring storms can lead to a variety of property issues, including:

• Roof damage – Missing shingles, leaks, and structural weakening due to wind or hail.
• Water intrusion – Heavy rain can cause flooding, leaks, and foundation issues.
• Siding and exterior damage – Wind-driven debris can crack or rip siding from a home.
• Tree and debris damage – Falling branches or flying debris can damage roofs, windows, and fences.

How to File a Storm Damage Claim

1. Document the damage – Take clear photos and videos as soon as it is safe to do so.
2. Contact your insurance company – Report the damage immediately to avoid claim delays.
3. Get a professional inspection – Roofers, contractors, and public adjusters can assess the full extent of damage.
4. Track all repairs and expenses – Keep receipts for temporary fixes and emergency repairs.

What If Your Claim Is Denied?

Insurance companies often cite pre-existing damage, maintenance issues, or exclusions to deny or underpay storm damage claims. If this happens, homeowners should:

• Request a detailed explanation for the denial.
• Consult a property claims attorney to challenge an unfair assessment.
• Gather additional evidence (like an independent contractor’s inspection report).

Need help with a storm damage claim? Contact Payne Law for a free consultation and let our experts fight for the compensation you deserve.