TRUSTWORTHY
GUIDANCE,
TANGIBLE RESULTS

Your trusted advocates, fighting for fair compensation
and justice from property damage to peace of mind.

After the Storm

Holding a large piece of hail next to a roof

If you were hit by one of the recent hail storms in DFW, you are probably just now getting someone out to adjust your claim.

I’ll warn you now. You may be in for quite a surprise.

In recent years, a number of property insurers have snuck “cosmetic endorsements” into their policies. These endorsements state that there is no coverage for cosmetic damage. The hail must impact the functionality of the roof for it to be covered.

So what constitutes cosmetic damage versus functional damage.

Your guess is as good as mine. The carriers will argue that as long as the roof isn’t leaking you’re not covered.

Hail almost always damages the life span of a roof. And what about six months or a year from now? Who is to say that an impact that appears “cosmetic” today will not corrode and affect the functionality tomorrow?

This is an area ripe for litigation. If you have a hail storm claim you would like to discuss, call me.

Share the Post:

PURSUE FAIR COMPENSATION

Recent Posts

Should You Hire a Property Insurance Attorney?

The need for a North Texas property insurance attorney is real. A commercial property insurance policy can span more than 100 pages with arcane language and phrases that the average person rarely understands. So when should you call our office?

Read More »