On the afternoon and evening of March 26, 2016 a major hail and wind storm pummeled the Poinciana and Kissimmee, Florida area. Coincidentally, this was on the 24th anniversary of the catastrophic Central Florida Hail storm of March 26, 1992. It was that 1992 storm that launched me into specializing in insurance claims for homeowners. Since 1992, I’ve helped 1,000’s of people with homeowners insurance claims against their homeowners insurance companies.
Looking at the devastation I’ve seen from photographs and videos from Poinciana and Kissimmee, I am convinced that there will be 100’s (if not 1,000’s) of unpaid insurance hail damage claims.
Almost all homeowners insurance policies provide for full replacement costs of roofs that are damaged by hail and/or wind. There are no deductions for the age of the roof. No depreciation. Replacement cost means replacement. For example, assume a shingle roof is 25 years old and approaching the end of its useful life. If that roof sustains hail damage then the homeowners insurance company must pay to replace that roof – regardless of age.
Another important point. Many times an insurance company will send out an engineer or roofing consultant who writes a long, detailed report stating there is no significant hail damage, and therefore the roof is not covered by the insurance policy. Even if you think there is nothing that you can do, let me look at the insurance denial for free.
If there is only one thing you remember from this blog, let it be this: “No” is not the end of the inquiry. It is just the beginning. Every insurance case I’ve ever won all have one thing in common. They all started with “No.”
Also, in most of my insurance cases, If I win the insurance company has to pay all of my attorney’s fees and costs. And, If I lose, I’ll work for free. Mark Nation
If your insurance claim has been denied, delayed, or underpaid, I’d like to help. You can call me at 1-800-NationLaw, or email me at firstname.lastname@example.org