Denver Hail Damage Claim Lawyer
For over 25 years, FIEDLER Trial Lawyers has helped clients file hail damage claims. The claim process can be overwhelming, Allow an attorney from FIEDLER Trial Lawyers to help you with a free, detailed case evaluation today.
Colorado is a hail prone state, making it very important to have proper insurance coverage.
Denver, Colorado Hail Damage Attorney
Insurance and Hail Damage
- Document the hail damage. You’ll need to take good pictures of everything that was damaged in the hail storm, such as your roof, siding, and windows. Making a video walkthrough of the damage helps as well.
- Call the insurance company and tell them about the damage to start your claim. Insurance companies usually have time limits by which you must file a claim, so the sooner you do this, the better.
- The insurance company will assign your case to an adjuster, who will then send someone out to inspect the damage. It’s usually acceptable to make temporary emergency repairs before the inspector arrives if you need to, but ask the adjuster before you do just to be sure. Meanwhile, you’ll need to request estimates to repair the damage and submit those, along with proof of the damage, to the adjuster.
- The adjuster will figure out if the damage falls within the scope of your policy. If it does, your policy will pay for repairs. If the adjuster refuses to pay your claim and you think it should be valid, it’s time to call a hail damage lawyer in Denver.
- Now, assuming that the insurance company agreed to pay for repairs, you’ll need to choose a roofing contractor for the work. Ideally, pick a contractor who has experience handling hail-damaged roofs and insurance claims. Your insurance company may also provide a list of approved contractors for you to choose from. Be sure that the contractor understands the requirements for hail damage repairs as outlined in your insurance policy. Once the work is done, your insurance company will work with the roofer for payment.
Dealing with the Insurance Company
- Review your policy before calling so you know what it covers and what it doesn’t. If you’re unsure, ask the insurance company for an explanation.
- Understand your insurance deductible, which is the amount you’ll have to pay before your insurance pitches in. For example, suppose your roof damage is about $10,000 and your deductible is $1,000. The insurance company would pay $9,000 to fix your roof. Note that some insurers have separate hail damage deductibles, which are a percentage of the value of your house.
Why Is the Insurance Company Denying Your Claim?
- The damage was not caused by a “covered peril.” Your policy may only pay for damage caused by covered “perils,” or events that result in property damage. Some policies exclude hail damage, while others don’t cover your roof at all, requiring you to purchase a separate policy if you want additional protection.
- The insurer says the damage to your roof is normal wear and tear. The inspector from the insurance company might indicate that your roof damage was caused by regular wear and tear rather than hail.
- You have made frequent claims. You may have the insurance coverage to pay for damage to your home, so you should have no problem filing claims when you need to. However, if you have filed several claims in the past year, it may look like a red flag to your insurance company. As a result, they may be reluctant to pay for repairs if you are regularly filing a claim.
- You neglected to maintain your roof. Many insurance policies have a stipulation that says you must maintain your roof for continued coverage. If you have skipped maintenance on your roof for several years, you may be out of luck.
- You’ve waited too long to file a hail damage claim. The majority of insurance companies in Colorado require you to file a claim within one year, but yours might require you to file sooner. Miss the deadline and the insurer will refuse to pay.
Bad-Faith Insurance Practices
- They deny your claim without giving you a good reason.
- They put you through unnecessary delays.
- The adjuster assigned to your case doesn’t schedule an inspection promptly or at all.
- The adjuster refuses to take your phone calls or answer emails.
- The insurance company refuses to answer questions about your policy.
- The insurance company offers a settlement that’s far less than what your roof is worth.
Determining Liability for Hail Damage
- Your roof is old: Some insurance companies will only pay out on the depreciated value of your roof if it’s more than 15 years old, and others may not cover your roof at all.
- The damage is cosmetic: In an effort to limit losses, some insurance companies won’t pay up if the damage to your house is only cosmetic.
- Hail exclusions: If you opted out of hail coverage to save a few dollars on your premiums, then you’re liable for hailstorm repair. Denver is hail-prone, so skimping on hail coverage is a mistake that comes back to bite many local homeowners.
Roofing Damage After Hailstorms
When and Where Hail Occurs in Colorado
- July 11, 1990: For half an hour one July day, hailstones measuring up to 1.75 inches rained upon Denver homes, roads, and airport runaways. This infamous storm caused a whopping $625 million in hail damage.
- June 6-15, 2009: Few Denver locals could ever forget the storms that struck the metro from July 6 to July 15 in 2009. Hail hammered the city for several days straight, causing an estimated $1.4 billion in damages.
- May 8, 2017: On this date, baseball-sized hail shredded buildings and property throughout the Denver metro, including the Lakewood area. Locals living here at this time might remember the hail-stricken Colorado Mills Mall, which stayed closed for months for repairs. This storm caused about $2.3 billion in hail damage.
Picking the Right Hail Damage Lawyer
Experience With Insurance Claims
Fair Outcomes for Clients
Willingness To Negotiate
Client and Peer Reviews
Trial Ability
Fee Structure
How Fiedler Trial Lawyers Can Help
- Taking the time to meet with you and learn every aspect of your case. Unlike other firms, we never rush our clients just so we can move on to the next one. We value you and your time, and it shows.
- Reviewing your hail damages and working with other pros, including roofing contractors, to understand the true value of your claim. Armed with this information, we’re better prepared to fight for fair compensation recovery.
- Negotiating with the insurance company and not backing down until you’re happy with your hail damage settlement. We know that insurance negotiations are a battle of attrition, and we will never back down until you’re satisfied.
- Taking your case to trial if necessary. If the insurance company will not settle, we won’t hesitate to go to court and will fight aggressively on your behalf.
Why Choose Fiedler Trial Lawyers for Your Denver Hail Damage Claim?
- Our team has 25+ years of experience and has recovered millions for our clients. We’ll fight hard for a fair settlement for you, too.
- We devote all the time necessary to meet with you and truly understand your case. We combine big firm resources with the personal attention your case needs.
- We’re proud members of the Colorado Bar Association and the American Board of Trial Advocates.
- We’re flexible. If you can’t come to us, we’ll come to you wherever you are.
- Our lawyers work on contingency, so if we don’t recover for you, you don’t pay us a penny.
At Fiedler Trial Lawyers, We Always Take Time for You
Frequently
Asked Questions
If you’ve been injured in an accident, there are several important steps you should take to protect your health and legal rights
- Dial 911 – Emergency Services. Get checked out by emergency responders, even if you think injuries are minor, you should always get evaluated. If the accident involved a motor vehicle, file a report with the police This documentation could be important later on.
- Document the Scene: If possible, take photos of the accident scene, your injuries, and any damage to vehicles or property. Collect contact information from witnesses and others involved in the accident READ MORE…
When involved in a personal injury claim, the process can be very intimidating. Many individuals facing this situation are often dealing with life-altering injuries, high medical bills, financial hardships and find themselves feeling very vulnerable.
Hiring a personal injury lawyer can be beneficial in a variety of situations, particularly when you have sustained significant injuries or damages due to someone else’s negligenceREAD MORE…
After being injured in an accident caused by someone else’s negligence, you may be wondering if you actually need to hire a personal injury lawyer. You would want to consult with an attorney, because in most cases, there will be an opposing party in your case that will be working against you. Choosing the right personal injury lawyer for your case is important to ensure you receive the best possible representation and outcome. Hiring a Denver Personal injury lawyer that specializes in that area of law is crucial, to ensure that you are getting proper representation, and your case is in good hands. Having an experienced lawyer like FIEDLER Trial Lawyers is helpful and provides powerful representation.
Here are some tips to help you choose the right lawyer:READ MORE…
The cost of hiring a personal injury lawyer can vary depending on the lawyer and the specifics of your case. However, personal injury lawyers work on a contingency fee basis, which means they only get paid if they win your case. Here’s how the contingency fee structure typically works and other potential costs to consider:
Contingency Fees: Percentage of Recovery: If the lawyer works on a contingency fee basis, they will take a percentage of the settlement or judgment amount you receive if you win your case. This percentage is typically around 33% to 40% but can vary depending on the lawyer and the jurisdiction.
No Win, No Fee: If you do not win your case, the lawyer will not charge you for legal fees. However, there may still be other costs you could be responsible for (discussed below).RAED MORE…
In a personal injury claim, you may be entitled to several types of compensation, also known as damages, to address the losses and injuries you’ve suffered due to someone else’s negligence or wrongdoing. The types of compensation typically fall into three main categories: economic, non-economic, and, in some cases, punitive damages. Here’s an overview of each:
Economic Damages: These damages are intended to compensate you for actual financial losses resulting from the injury:
Medical Expenses: Compensation for past, current, and future medical costs, including hospital bills, surgeries, medications, rehabilitation, and any other necessary medical treatment. READ MORE…
The value of a personal injury case can vary greatly depending on several factors unique to your situation. Since each case is different, there is no standard formula to calculate the exact value. However, here are some key factors that generally affect the worth of a personal injury case:
Severity of Injuries: The more serious and long-lasting your injuries, the higher the potential value of your case. This includes considering whether your injuries result in permanent disability or disfigurement.
Medical Expenses: Your case will take into account all medical expenses you have incurred, as well as future medical costs related to your injury.
Lost Wages and Earning Capacity: The case can include compensation for lost income due to time off work and any future loss of earning capacity if your injuries affect your ability to work.READ MORE…
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4725 S. Monaco Street, Suite 120
Denver, CO 80237
Phone: 720-996-6000
1800 Wazee Street, Suite 300
Denver, CO 80202
77 West Wacker Drive, Suite 4500
Chicago, IL 60601
Phone: 303-225-5536
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