The April 20th, 2024 hail storm in Rock Hill, SC left a trail of damages, affecting numerous homes and businesses in its path.  Reports indicate the high velocity hail included stones up to 3” in diameter and winds of up to 90 mph. To put it in perspective, these hail stones where the size of softballs!

Taking prompt action after a severe storm like this is vital. If you know you have damage, you need to file your claim as soon as possible. Delaying the assessment and filing of insurance claims can result in complications that could potentially reduce your settlement or in the worst case scenarios, lead to your claim being denied.

As licensed South Carolina Public Adjusters, we have been involved in quite a few hail damage claims and wanted to share some information that we feel will be valuable to victims of the April 20th hail storm in Rock Hill.

Assessing Hail & Wind Damage: What to Look For?

When assessing damages after a storm like this, it is essential to inspect your property thoroughly. Look for signs of damage on your roof, siding, windows, screens, fences, and outdoor structures & appliances. There will typically be obvious damages as well as some that may not be obvious, all damages need to be documented and presented to the insurance company. This is where a seasoned Public Insurance Adjuster in Rock Hill, SC may be of great assistance.

BEWARE: After storms like this, the streets will be swarming with roofers and other restoration contractors going door to door soliciting. They will typically pitch you that “the insurance company will pay for everything, just sign here and we will take care of it.” These contractors will almost always have you sign a contract on an iPad, and most of our clients have never even received a copy of what they signed. Be very careful with these types of solicitors as they are storm chasers and will likely be moving on out of your area as soon as another storm hits somewhere else.

Navigating the Insurance Claim Process

Understanding the insurance claim process can be daunting, but with the right guidance, you can navigate it effectively. As York County Public Adjusters, we are here to help guide you through the often-complicated insurance claims process. Unlike staff or independent adjusters that represent the insurance company, as Public Insurance Adjuster (often referred to as Private Insurance Adjusters), we exclusively represent policyholders throughout the claim process to ensure our clients recover the claim settlement that they need and deserve.

Expert Tips for Maximizing Your Claim

You don’t always need to retain a Public Adjuster to help with your claim, many people like to first see what the insurance company does before making the decision. This is completely understandable and sometimes it is what we recommend. The downside is that a Public Adjuster is not going to be able to undo what was done prior to their involvement. For this reason, I want to share a few pointers that may be able to help, consider the following expert tips:

1. Document the Damage Extensively

Take detailed photographs and videos of the damage to provide substantial evidence for your claim. Be sure to capture the actual damages as well as the surrounding areas. Showing downed trees, branches and excessive leaves under trees all help to document that an event occurred at your property.

2. Keep Records of Repair Estimates

Many insurance companies will recommend that you get 3 estimates from contractors. While it is a good idea to speak with a few contractors to try and get an idea of how much your damages are, we don’t always recommend submitting everything you obtain. We have seen cases where a contractor made an error in an estimate and this can become very difficult to correct once it is submitted to your insurance company as they will likely use it against you down the road. The adjuster should prepare their own estimate and should be able to do so without your assistance. Your duty is to provide access to the property and show them the damages. Any competent adjuster should be able to handle it from there.

3. Understand Your Policy Coverage

Familiarize yourself with your insurance policy to understand what damages are covered and any exclusions that may apply. For hail related claims, you will want to see if you have an endorsement titled something along the lines of “Roof Schedule”. You will also want to review your deductible as there may be a separate rate for windstorm or hail.

Securing Your Settlement: Why Professional Assistance Matters

As South Carolina Public Adjusters, we offer invaluable assistance throughout the claim process. Unlike insurance company adjusters, we work solely on your behalf to ensure you receive fair compensation. We are familiar with all of the potential pitfalls within the policy and know how to properly investigate, estimate and ultimately recover the settlement that you need and deserve for your claim.

FAQs (Frequently Asked Questions)

  • How long do I have to file a hail damage insurance claim? You typically have a limited window to file a claim after the hail storm. Contact us for guidance on specific timelines as they can vary from Policy to Policy.
  • Do I need to obtain multiple repair estimates? It is common for adjusters to recommend you get 3 estimates. This is not a requirement in any policy I have reviewed to date.
  • Can I handle the insurance claim process on my own? While you can handle the process independently, professional assistance can significantly increase your chances of securing a fair settlement.
  • How long does the insurance claim process typically take? The duration of the claim process varies depending on factors such as the complexity of the damage and the responsiveness of the insurance company. We strive to expedite the process on your behalf.

Conclusion: Public Insurance Adjusters will be your guide throughout the process.

Don’t let the aftermath of the hail storm overwhelm you. You don’t have to sit back and let the insurance company and their team of adjusters dictate the outcome of your claim. With expert guidance and proactive steps, you can navigate the insurance claim process with confidence and secure the settlement you need and deserve.