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Public Adjusters for Hail Damage

Hail damage can often be missed and then lead to serious damage to your property. A delay in filing your commercial insurance claim for hail damage can become a hurdle in getting the optimum insurance recovery for your business. Globe Midwest can help.

Hail causes an average of nearly $1.3 billion in property damage each year, plus tens of millions of dollars in crop damage.

Hail causes visible property damage, including shattered windows and shredded screens; punctured siding, air conditioning units, and vehicles; damaged landscaping; and holes in roofs. But hail is just as likely to cause unnoticed damage that only worsens over time. If not identified and dealt with promptly, subsequent water damage and structural damage can occur. You need to have an experienced professional inspect your commercial property for all visible and hidden damages when a major hailstorm strikes.

Our licensed Globe Midwest public adjusters understand the full scope of hail damage and how to place proper value on repairs.

From initial appraisal to final negotiations, our adjusters will guide you through the entire commercial claims process to help you secure a full and fair settlement for all hail damages, whether you can easily see them or not. We have helped business owners in Michigan, Illinois, Wisconsin, Minnesota, Indiana, and throughout the Midwest recover maximized hail damage insurance claims. Allow us to be your partner in recovery.

What To Focus On After Hail Damage

Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
  • What is my agent/broker’s role? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
  • The insurance company hired a construction estimator. What do I need to know?
  • Loss of Appearance allowances. Are they covered?
  • Why is a claim strategy so important?
  • Am I impacted by coinsurance?
  • Prompt inspection and documentation by YOUR experts is key.
  • How is hail damage determined/identified?
  • Can there be damage to the roof without any visible damage?
  • Air conditioning units: repair vs. replacement. Can repaired units have the same efficiency?
  • Chipped roof tiles. Do they need to be replaced?
  • Value engineering a different roof covering vs. paying for what was actually damaged. Is that a good strategy?
  • Do you have to accept a settlement that leaves you with dented property?
  • Exterior paint. Requirements/protocols regarding matching all sides.
  • Is there coinsurance in your policy? Properly managing coinsurance requirements can prevent financial disaster. Not properly managing coinsurance requirements can put you out of business! If there is, what does it mean? If there is, did your insurance adjuster explain it to you? How is coinsurance calculated: on replacement cost or actual cash value?
  • Prompt inspection and documentation is key to a successful claim.
  • Is there a methodology to properly document the loss?
  • It takes a trained professional to identify and document hail damage. Do you have the right experts lined up? You should not rely only on the insurance company’s experts.
  • How much of my time will this take?

Property Damage Losses Commercial Claims Recovery Process

Property Damage
Time Element
Life & Safety Issues
Mitigation of Damages