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Home / Insurance / Hail Storms and Hail Damage Assessment Policyholders should be safe and call professional to do roof inspections | Property Insurance Coverage Law Blog

Hail Storms and Hail Damage Assessment Policyholders should be safe and call professional to do roof inspections | Property Insurance Coverage Law Blog



Joey Childress and Chip Merlin at 2019 First Party Claims Conference West

Joey Childress from Childress Engineering Services of Richardson, Texas, attended the First-Level Conference in Marina Del Rey, California. He came to me and showed a video and photographs of an extreme hail storm that struck into the greater Dallas Fort Worth area.

Hail damage is not a laugh. While many policyholders can wait to see if roof leaks occur before the damage is claimed, a severe shotgun can leave a roof damaged, which needs repair and leaks may not start from such a storm for years. I usually recommend to policyholders not to try to climb their roof because it is uncertain to do so and because most people have no education to decide what to look for when it comes to hail damage.

A newspaper article from this storm storm:

Mark Hanna, an industry trading group spokesman, the Texas Insurance Council, said that a 4-mile area in Collin County maintained the most serious damage and that early forecasts put the amount of insured losses at $ 300. -400 million.

"Parts of Frisco, parts of McKinney, parts of Allen seem to be the most difficult battle," Hanna says. "We've seen cars and trucks with windows blown out."

There were reports that the storm packed the grapefruit size packed in Some neighborhoods, crushing out windows to dozens of vehicles and harmful homes.

Chris Pilcic, a state estate spokesman, said State Farm Agents and company claims staff have set up on City Line in Richardson.

"We predict that claims will be continue to enter when the storm passes and it is safe for homeowners to inspect their property, "said Pilcic." We encourage homeowners to make temporary repairs to cover broken windows or damaged roofs. Document with images and save receipts for your claims representative.

I am surprised that State Farm does not warn its customers to inspect a roof is an extremely dangerous thing to do. I can't imagine my 87-year-old mother climbing a roof. Nevertheless, the insurance company's lawyers routinely argue with the "late notification" of loss as a reason not to pay because their older customers did not. The insurance companies should propose alternatives because they certainly know that their own adjusters must comply with OSHA's safety requirements when investigating roof damage. Insurance companies know that it is usually a dangerous thing for a policyholder to climb a ladder and go on a climbing roof and look for damage and take photographs to document the damage.

In fact, State Farm may propose hiring a local and reputable engineering company such as Childress Engineering Services. Childress's website indicates:

"CES is also often called upon to provide emergency, on-site counseling services to investigate structural system failures and property damage caused by weather events, building faults, and natural disasters."

Insurance companies should warn their policyholders fail to conduct hazardous hail damage investigations. Instead, they should suggest calling local and reputable roofers, engineering companies, and licensed public adjustments to do it all the time. In fact, public adjustments and roof vessels usually make this service free of charge if there is no hail or wind damage from a hail storm.

The thought of the day

Security is something that happens between your ears, not something you hold in your hands.
-Jeff Cooper


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