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Denver Hail Damage Insurance Claim

Denver Hail Damage Insurance Claim Assistance

The Denver Metro area and front range of Colorado has one of the nation’s highest frequency of damaging hail events. Our public adjusters provide Denver hail damage insurance claim assistance to ensure you are getting a proper insurance claim recovery so you can fix your property back to a pre-loss condition.  According to the Rocky Mountain Insurance Insurance Information Association (RMIIA) dataset on hail, “Colorado’s Front Range is located in the heart of “Hail Alley,” which receives the highest frequency of large hail in North America and most of the world, so residents usually can count on three or four catastrophic (defined as at least $25 million in insured damage) hailstorms every year. In the last 10 years, hailstorms have caused more than $5 billion in insured damage in Colorado.

Colorado hail season generally occurs from April to September, and with the exception of a few instances, the majority of the most costly storms have occurred in the Denver metropolitan area.

DateLocationCost When Occurred
(Millions)
2023 Dollars
(Millions)
*
May 8, 2017Denver Metro$2.3 Billion2.8 Billion
July 20, 2009Denver Metro$767.6$1.0 Billion
July 11, 1990Denver Metro$625.0$1.45 Billion
June 6-15, 2009Denver Metro$353.3$499
July 28, 2016Colorado Springs$352.8$445
June 6-7, 2012CO Front Range$321.1$424
June 13-14, 1984Denver Metro$276.7$807
June 18-19, 2018North Denver and Denver Metro$276.4$333
July 29, 2009Pueblo$232.8$329
October 1, 1994Denver Metro$225.0$460
September 29, 2014Denver Metro$213.3$273
May 22, 2008Windsor$193.5$272

Source:  http://www.rmiia.org/catastrophes_and_statistics/Hail.asp

 

What Is The Insurance Process And How Can I Get My Hail Damage Claim Paid?

When it comes to residential hail claims, there are a couple recourse mechanisms policyholders have at their disposal prior to requiring legal counsel. Public Adjusting and Appraisal are two options for claim dispute resolution that all policyholders have at their disposal, but each has a set of situations where they are best suited. For more information on how appraisal works, visit our page on appraisal services. Additionally, a claim can be handled by a public adjuster and then sent to appraisal, but in most states the named public adjuster cannot act as an appraiser on the same file. Generally speaking, public adjusting services are more suited to those who do not want to be burdened by the process of investigation, documentation, and negotiation of their claim, or if they are facing a denial in coverage for all or part of their claim.

 

When Is Appraisal The Better Option For My Hail Damage Claim?

Public adjusters can assist in resolving the hail damage coverage dispute as well as substantiating the loss. Appraisal is better suited for situations where there is minimal or no coverage dispute, but a significant repairability, repair methodology, or cost of repairs dispute. While there have been court decisions affirming appraisers’ ability to allow for causation to be included as part of the appraisal, the process is better suited to resolve disputes on an otherwise agreed upon claim.

 

Taylor Bezek, one of the partners at Prime Adjustments, started his public adjusting career representing Denver hail damage insurance claims in the metropolitan area in 2012 and has worked to assist property owners in the area ever since. His familiarity with the region and understanding of prevailing regulations lends him a unique ability to properly advocate for the insured parties he represents. If you own or represent a property in Denver that has been damaged by hail, give Prime Adjustments a call today for a free public adjuster consultation.

 

What Types Of Claims Do Denver Colorado Public Adjusters Represent?

There Are So Many Public Adjusters in Denver, Why Choose Prime Adjustments?

  1. Expertise and Experience: Our public adjusters are skilled with a wealth of knowledge in insurance policies and the claims process. We’ve successfully handled numerous hail damage insurance claims in Denver, ensuring our clients receive a fair settlement they deserve and are entitled to.

  2. Client-First Approach: Your satisfaction is our number one priority. We take the time to listen to your concerns, understand your unique claim situation, and tailor our services to meet your specific needs.  Not all claims and insurance policies and claims are the same.

  3. Proven Track Record: We have individually earned a reputation for excellence in the public adjusting, first party property and contractor industry. Our track record of successful claim settlements speaks volumes about our commitment to our clients.

  4. Strategic Negotiation: With our proficient negotiation skills and knowledge of building damage and insurance policy’s, we present our case to the insurance companies’ adjusters, ensuring you are treated fairly and with respect.

  5. Thorough Hail Documentation: We leave no damage undocumented when documenting property damages and losses. Our attention to detail ensures that your claim accurately reflects the scope of damages, leaving no room for dispute.  We do not inflate your estimate but rather document every item that has damage and we can directly attribute to your loss.  This also helps define our reputation in the industry by not inflating claims and builds trust with the carriers.

  6. Communication:  The largest complaint industry wide is communication.  We strive to update you and your contractor or property manager throughout each step of the claim process, so everyone is on the same page and is aware of the progress of the claim settlement.

Our Process: The Road to Fair Compensation

  1. Initial Consultation: We begin by scheduling an initial consultation to understand your situation better. During this meeting, we assess the hail damages and review your insurance policy and any correspondence with your insurance carrier to determine proper coverage exists.

  2. Comprehensive Assessment: Our Denver public adjusters conduct a detailed hail inspection of your property, meticulously documenting all damages and losses.  We may bring in additional experts to prove your damage.

  3. Strategizing Your Claim: With our findings, we develop a comprehensive claim report package and initiate a robust strategy to assist in your settlement.

  4. Professional Negotiation: Armed with solid evidence and expertise, we engage in claim negotiations with the insurance company’s adjusters, advocating for a fair and just settlement.

  5. Securing Your Compensation: Once an agreement is reached, we ensure you receive your claim settlement promptly, enabling you to move forward with repairing and rebuilding your property.

Contact Us Today for a Free Public Adjuster Consultation

Contact us today for a free no obligation consultation and take the first step towards securing Denver hail damage insurance claim assistance. After this consultation we will provide the best course of action.  Even if Prime Adjustments is not the right fit for your situation, we will properly advise you what course of action is recommended.  We take care of our clients like they are family.

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