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Claiming Hail Damage On Car Insurance – Severe storms can cause significant damage to your personal property, including your home and car. Hurricanes can cause serious damage to your home.
Recent storms have left DFW area residents in this exact situation. Homes across the metropolx sustained storm damage, leaving residents with costly repairs.
Claiming Hail Damage On Car Insurance
There’s only one thing worse than having your home damaged by a storm and then having to deal with the insurance company.
What You Need To Know About Auto Hail Repair
Unfortunately, your claim may not be accepted. Find out if your insurance claim has been denied and what you can do about it.
A hurricane can range in size from a small BB to the size of a softball. On the larger end, hurricanes can cause significant damage to everything from permanent structures to vehicles.
Small to medium sized (marble or golf ball sized) tornadoes can cause significant damage. Some examples include:
It’s easy to see how the total cost of the damage can add up quickly. Worse, these storms can occur several times throughout the year.
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In the Dallas-Fort Worth area, these storms occur an average of three to five times per year, with some years producing 20 or more storms.
First, it is not in the financial interest of any insurer to pay claims. Even though you pay premiums to protect your property, the insurer has a direct financial interest in offering lower settlements, delaying them, or denying claims altogether.
Because of this, insurance adjusters are often trained to look for reasons to deny your storm damage. The easiest ways for adjusters to rubber-stamp is to be late, not pay premiums, and say the damage doesn’t exceed your payment.
Most policies will provide a window within which claims must be filed after the date of damage. It is important to read the small print to understand how long it will take to file your claim.
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If you are on a monthly or quarterly payment plan for your homeowner’s insurance, you must make all payments on time. If a hurricane occurs and you don’t make your previous payments, this can be used to deny any claims you may have made.
Within the first few days after the order is placed, your carrier will send an inspector to assess the damage. This inspector will report to the insurance company.
Although these inspectors are supposed to be independent, they often have a financial interest in saving the insurance company money. Hence, they can mean total damage. Or they may only look at cosmetic damage and fail to look deeper into more complex and costly structural damage.
In the case of severe damage, it may be a wise decision to hire an independent inspector to assess the damage.
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If your claim is denied, you have options to appeal. Check the fine print to make sure you have everything covered. It may also be a good option to consult with an attorney. An experienced attorney will understand the legality of denying your claim.
Finally, be sure to document all communications between you and the insurance company in case your claim is wrongly denied.
Since beginning to practice law in Texas in 2004, Sharon Fulgham has been named a Rising Star by SuperLawyers (2012-2019) and a Fort Worth Magazine Top Lawyer. In addition, he worked with some of the best attorneys in the state and was a partner at the largest law firm in Fort Worth. Sharon has successfully litigated cases at both the state and federal level, and always provides her clients with personalized legal services to meet their needs. Outside of work, the most important things in Sharon’s life are her faith, family (husband Brandon and three children), and service to her community. Storms are a common occurrence, and when there are storm surges, your chances of damage are high. traffic can be high. Large and powerful storm rocks can bite into a car’s body or shatter its window. Although all shops charge different prices for repairs, fixing storm damage will not be cheap. That’s why it’s important to know how to file a hurricane damage claim with your auto insurance.
Not every car owner can make a storm damage claim for their car. However, those who have invested in comprehensive insurance can usually make a claim for this type of damage. Comprehensive insurance covers damages caused by events beyond the insured’s control. This includes storm damage. Of course, the car owner will have a premium they can pay, which is determined by the amount they choose when they buy a car insurance policy.
Total Hail Solutions
There are several different types of car insurance for drivers to choose from. Not all will cover hurricane damage. Therefore, drivers should purchase comprehensive coverage if they think their area may be at particular risk due to the spread of hurricanes.
Car owners who have full coverage can file a claim with their insurer for quick repairs to their vehicle after storm damage.
First, check the car for visible damage after a hurricane. The next step is to report the damage to your insurer as soon as possible. MAPFRE policyholders can do this by submitting a claim online or by calling MAPFRE directly at 1-800-221-1605.
It is important to provide all the details to the insurer. MAPFRE customers can then be offered the option of using ePICS®, a service designed to assess damage when your vehicle is still considered drivable and the overall damage is minimal. This can speed up your claim if you don’t have to wait for the appraiser to inspect the car in person. If the damage is deemed more severe by the claims representative, an appraiser will be dispatched to inspect the vehicle and determine the extent of the damage. The policyholder must be with the adjuster when the vehicle is inspected. After confirming that the insurer will be responsible for some of the repair costs, a shop should be selected. It is important to arrange for repairs to be carried out as soon as possible, as dents and dents on the outside of the car can cause rust to spread and cause further problems.
Austin Auto Insurance Claim For Hail Damage
One option for MAPFRE policyholders is the CAR EZ® program. The CAR EZ® program is an expedited service that takes some of the stress out of when you need auto repair because MAPFRE partners with trusted local repair shops that meet high professional standards. CAR EZ Shops also shares our desire to provide convenient and hassle-free service to get your life back on track after an accident.
Hurricanes are unpredictable and it is wise to have adequate insurance in case a claim is made to cover the damage. If only liability coverage is in place for the vehicle, storm damage will not be covered and the driver will have to arrange for repairs and pay out of pocket.
Make sure you have the right insurance coverage with MAPFRE by contacting your local independent agent. If you’re a MAPFRE customer and need repairs after a weather or accident, don’t forget MAPFRE’s CAR EZ® program, which makes repairing your vehicle quick, easy and stress-free.
Please Note: This content is not intended to describe specific coverage offered by MAPFRE Insurance. No coverage is provided, implied or guaranteed by this article. Available coverages, credits and discounts vary from state to state and are subject to criteria and policy conditions that will control in the event of a conflict between this article and your insurance policy. For information about your policy, please see your individual policy contract and speak to your insurance representative.
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MAPFRE Insurance is a brand and service mark of MAPFRE USA Corporation and its subsidiaries, an American commercial insurance company.
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