ICON: Homeowner Windstorm or Hail Peril

Hail Damage: Texas, Is It Time to Hire A Public Adjuster?

Extreme weather events are the norm in Texas, so it isn’t unusual to expect hail damage to your property. 

Make sure you’re covered and get what you are owed from your insurance company. Contact a Public Adjuster from Tiger Adjusters® to maximize your hail damage claim.

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Filing a Hail Damage Claim Can be a Challenge

According to national news reporting, the average cost per hail claim is approximately $17,000, but for many policyholders, it’s tough to get what they are owed from insurers for repair and replacement. 

Thanks to the subjective nature of loss estimation and claim adjustments, it’s not uncommon for insurance carriers to dispute hail damage. Texas homeowners and renters are frequently dismayed to find their claim underpaid or flat out rejected.

Many policyholders are offered only partial roof repairs rather than a necessary replacement. Insurance companies will also dispute damages that were caused by hail, writing them off as previous wear and tear, despite the severe toll of hail damage on home exteriors such as windows, siding, and roofs. Hail damage can even potentially extend to the inside of your home if, say, it breaks through a skylight. 

An FYI on RCV & ACV

It is important to understand the difference between actual cash value (ACV) policies and replacement cost value (RCV): an ACV policy will cost you less but also offer you less, because it uses the age and condition of your home to shave more off the payout. RCV will cover the current replacement cost without subtracting value for your property’s depreciation. While RCVs may cost more in monthly premiums for the policyholder, the payouts also typically cover more costs than ACVs.

ICON: Actual Cash Value versus Replacement Cost


How can a Texas Public Adjuster Help?

Public Adjusters are responsible for negotiating the settlement of insurance claims on behalf of homeowners and renters. This extends to investigating, settling, adjusting, advising, and assisting an insured policyholder with a claim.

Their responsibilities also include:

  • Having insightful technical knowledge about insurance policy and processes. 
  • Making sure property owners are properly indemnified for the loss.
  • Assist in finalizing an honest settlement to cover roof damage, along with other siding and property damage.
  • Increasing hail damage settlements for policyholders by an average of 747%.
ICON: Public Adjuster Inspection

When you hire a Public Adjuster, the first thing they’ll do is schedule a comprehensive property inspection to assess the hail damage. This should include a thorough examination of the exterior home, and checking for any interior instructions.

ICON: Public Adjuster Insurance Carrier Negotiation

After compiling all necessary paperwork, your Texas Public Adjuster will coordinate with the insurance company on your behalf, negotiating with the insurance adjuster to come to an agreement on the value of the claim and a fair settlement amount according to the policy coverage.

ICON: Public Adjuster creating a Loss Estimate

Your Texas Public Adjuster will produce a 360°-loss estimate that looks carefully for signs of hail damage to your roof, shingles, flashing, siding, windows, and more. They will schedule a time to walk the property with you and examine the damage.

ICON: Public Adjuster Insurance Policy Expert

Did you actually  read all the fine print in your insurance policy? When property damage occurs, Public Adjusters study your policy and offer expert guidance on your hail coverage and navigating the claims process. Texas Public Adjusters know the insurance lingo and translate it into layman’s terms.  

How are Public Adjusters paid?

Public Adjusters typically work on a contingency fee basis, meaning they receive payment as their clients receive settlements from insurance claims. The percentage they earn varies by state and ranges from 5% to 45%. Many states cap the fee. Review the Tiger Adjusters® Public Adjuster Fee Cap database.