Hail Damage Insurance Claim Attorney in Cincinnati and Northern Kentucky
After a hail storm, you may face significant damage to your home, business, or other property. The situation may feel impossible to resolve. If you’ve experienced a difficult loss from hail damage, Lawrence & Associates Accident and Injury Lawyers, LLC, can assist you in filing an insurance claim to recover the full and fair compensation you deserve. With over 20 years of experience assisting clients in Ohio and Kentucky with complex storm claims, our attorneys have the knowledge and skills to handle your claim while you focus on rebuilding your home and your life. Call (513) 434-6698 in Ohio or (859) 251-3591 in Kentucky for a free consultation, and let us help your family recover with peace of mind.
table of contents
- Understanding Hail Damage Insurance Claims
- Types of Property Damage from Hail Storms
- Common Challenges with Hail Damage Claims
- How a Hail Damage Insurance Claim Attorney Can Help
- When should I contact an attorney for my hail damage claim?
- Why Choose Lawrence & Associates for Your Hail Damage Claim
- Contact Our Hail Damage Insurance Claim Lawyers Serving Cincinnati and Northern Kentucky
Understanding Hail Damage Insurance Claims
Hail storms can significantly damage properties, leading to substantial financial losses. These events involve chunks of ice that form within thunderstorms and fall to the earth at high speeds, posing a threat to people and property in the area. According to the FEMA National Risk Index, hail risk is highest in the Great Plains, spreading east through the Midwest and Southeast. Many counties in Kentucky and Ohio have moderate to high levels of hail risk.
Types of Property Damage from Hail Storms
Hail damage can dent roofs, windows, siding, stucco, HVAC equipment, gutters, downspouts, shutters, and exterior features like landscaping and light fixtures. Exposed vehicles are also at risk. While not all of these damages might be covered under your policy, most comprehensive insurance policies include coverage for:
- Roof Damage: Severe hail can impair roofs, leading to leaks or long-term structural problems.
- Siding Damage: Hail can damage vinyl and metal siding, leaving dents, holes, and cracks.
- Window and Glass Damage: Hailstones can shatter windows, skylights, and glass doors. Window frames, particularly wood or aluminum, can suffer dents or cracks.
- Other Structural Damage: Gutters damaged by hail can exacerbate foundation issues. Walls made of brick, stucco, or concrete can also be cracked or chipped.
Common Challenges with Hail Damage Claims
Insurance companies may try to minimize their financial liability by undervaluing the extent of damage, disputing the cause, offering lowball settlements, delaying the claims process, and denying valid claims. Our attorneys understand insurance companies’ underhanded tactics and how to push back so you receive the full and fair compensation you deserve.
How a Hail Damage Insurance Claim Attorney Can Help
When filing a hail damage insurance claim, an attorney can navigate complex insurance processes and work to ensure you’ll have no out-of-pocket expenses. You are entitled under the law to be reimbursed fairly for your losses, and a skilled legal advocate can help maximize your payout and take your insurer to court if necessary. An experienced Ohio and Kentucky insurance lawyer at Lawrence & Associates can build a strong claim and protect your rights so you can focus on repairing your home or business after a storm and get you the compensation you deserve.
When should I contact an attorney for my hail damage claim?
Contacting an attorney sooner than later is crucial, especially if you encounter obstacles in getting the compensation you are entitled to. Every case is unique, but some of the common obstacles claimants face when seeking compensation for hail damage through their insurer include the following.
Claim Denial
Insurance companies often deny valid claims in an attempt to protect their bottom line. If your insurance company denies your hail damage claim, our attorneys can review the denial letter, evaluate the claim, and fight for reconsideration if the denial was unjust.
Underpayment of a Claim
When your insurance company offers a settlement that doesn’t cover the full cost of repairs or replacements, an attorney can negotiate with them to secure a fairer payout.
Delays in Claim Processing
An attorney can intervene to ensure timely resolution if your insurance company unnecessarily or illegally delays the claim process. In Kentucky, you can file a complaint with the Kentucky Department of Insurance if your insurance adjuster takes too long to respond after initial contact.
Disputed Liability or Coverage
If your insurance company disputes the cause of the damage or whether the damage is covered under the policy, we can carefully review your case and policy documents to ensure your rights are not violated.
Complex or High-Value Claims
In high-value claims with extensive damage, an attorney can help maximize compensation and ensure no details or losses are overlooked.
Bad Faith Practices by the Insurance Company
If your insurance company acts in bad faith—such as misrepresenting policy terms, ignoring evidence, or attempting to intimidate you—an attorney can help you hold them accountable. Options include filing a complaint with your state’s insurance regulator or filing a bad faith lawsuit.
Multiple Types of Damage
An attorney can handle the complexities of combining claims if the hail damage you endured was part of a larger storm-related claim—for instance, if it also included wind, water, or structural damage.
Previous Claim Disputes of History
Proactive legal representation can help if you’ve had issues with claims in the past or are concerned about how the insurer may handle your claim.
Stress Handling the Claim or Lack of Time
If the claim process feels overwhelming or you don’t have the time to deal with the insurance company, an attorney can manage the entire process on your behalf.
Meagan Tate
Partner
Contact us as soon as possible to determine whether the insurance company breached its contract or committed bad faith. Most insurance policies have provisions that require any breach of contract case against the insurer to be filed within a certain period of time, usually one year or two years from the date of loss. Depending on the reason for denial, we may attempt to resolve the dispute through direct negotiation, invoking the appraisal process, or litigation.
Why Choose Lawrence & Associates for Your Hail Damage Claim
At Lawrence & Associates, our clients receive certain guarantees through our Client Bill of Rights. This sets us apart from other firms, showing that we genuinely care for you and value your time. We’ll work tirelessly to resolve your hail damage claim promptly and efficiently. Some of the rights we guarantee our clients include:
- The Right to Full Analysis – At the beginning of your case, meet with a specialist who can evaluate all aspects and ensure you’re filing the right claim.
- The Right to Efficiency – Lawsuits take time but should be resolved as quickly as possible. We will strive to resolve your case quickly and efficiently.
- The Right to Updates – Your attorney will provide regular updates so you know what’s happening when it happens and that everything is moving forward normally, even during less active times.
- The Right to Specialization – At Lawrence & Associates, our attorneys are limited to a maximum of two practice areas to avoid becoming “jacks of all trades” but masters of none.
- The Right to Authority – Our legal team understands that you call the final shots. We will ensure you are fully informed and comfortable with decisions regarding your case.
Our compassionate and experienced trial attorneys are here to give you a measure of justice and financial relief for what you’ve been through.
Our Case Results
Contact Our Hail Damage Insurance Claim Lawyers Serving Cincinnati and Northern Kentucky
Dealing with hail damage and a difficult insurance claim can feel overwhelming, but you don’t have to face it alone. At Lawrence & Associates, our dedicated attorneys in Cincinnati and Northern Kentucky are here to guide you every step of the way. We’re committed to fighting for fair compensation for Ohio and Kentucky residents who have suffered damages from hail storms. Over the years, we’ve recovered hundreds of millions of dollars in settlements and verdicts for our clients.
Call (513) 434-6698 to reach us in Ohio or (859) 251-3591 to reach us in Kentucky. You can also contact us online to schedule your free, no-obligation consultation. Lawrence & Associates can help answer all of your questions about property and casualty claims.
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