Hail Damage Claims
Hail damage looks small. The cost is not.
Insurance companies routinely classify hail damage as 'cosmetic only' to avoid full replacement claims. We know exactly how to document and prove replacement-threshold damage.
What hail damage claims looks like
- Granule loss from asphalt shingles
- Bruised or cracked shingle substrate
- Dented metal flashing, gutters, and vents
- Broken or cracked skylights
- Damaged siding, window screens, and AC units
- Impact marks on wood fascia and soffits
What insurers routinely undervalue
- Claiming damage is cosmetic when it is structurally significant
- Failing to document all affected surfaces and materials
- Using ACV (actual cash value) instead of replacement cost coverage
- Missing satellite, HVAC, and ancillary structure damage
- Not accounting for matching code requirements
LOCAL CONTEXT
Nashville & South Florida
Nashville and Middle Tennessee experience multiple severe hail events per year. South Florida gets less frequent hail but high-intensity events during tornado-producing storm cells. Both markets have insurers who regularly undervalue hail claims.