Hailstorms can leave lasting damage that’s easy to miss—but costly to ignore. Shingles can be bruised or cracked, siding can be punctured or warped, skylights and windows chipped, and even HVAC systems and solar panels can take hits. While most homeowners insurance policies include hail as a covered peril, the real challenge isn’t whether it’s covered—it’s whether the insurer agrees the damage is significant enough to pay what’s owed.
Too often, insurers downplay the impact as purely cosmetic, offer minor repairs, or argue that the damage occurred outside the policy period. These disputes can drag on unless the damage is properly documented from the start—especially since many hail impacts aren't visible from the ground and can worsen over time. Even small delays in inspection or reporting can be used against you, calling the claim into question or opening the door for denial.
At Loti, we take hail claims seriously from day one. Our team knows how to identify structural versus cosmetic damage, preserve weather records, and fight back when carriers try to offer partial or patchwork solutions.
OUR APPROACH
Hail Damage—Don’t Let Surface-Level Assessments Cost You a Full Recovery
Have a licensed roofing professional inspect your home as soon as it’s safe
Take detailed photographs of dents, cracked shingles, granule loss, and siding impacts—both close-up and wide shots
Save weather reports or storm alerts from the day of the incident to confirm timing
Document any interior leaks or water intrusion that may have resulted from the hail impact
Review your policy language carefully—especially exclusions or limits tied to cosmetic vs. functional damage
Key Steps We Help You Take After Hail:
We also coordinate directly with your contractor and insurer to create a clear, evidence-backed claim—one that’s hard to dispute. Our technology helps organize inspection reports, estimate repairs or full replacements, and align the damage with the proper coverage categories in your policy.
At Loti, we don’t let hail damage go unnoticed or underpaid. When insurers try to settle with a patch, we help push for the full replacement you deserve—ensuring your roof, siding, and exterior systems are restored properly, not just superficially.
FREE RALLYBACKS
Windstorms, hail, and hurricanes are among the most common and destructive natural disasters that can affect your home. These weather events can cause significant damage to your property, leading to costly repairs. Fortunately, most standard homeowners insurance policies include coverage for such events under the windstorm, hail, and hurricane peril. Understanding this peril, what it covers, and any limitations or exclusions is crucial for homeowners, especially those living in areas prone to severe weather.
This detailed guide will explain what the windstorm, hail, and hurricane peril is, how it works within a homeowners insurance policy, and provide specific examples to help homeowners understand when and how this coverage might apply.
Understanding the Hail and Windstorm Peril in Your Homeowners Insurance Policy: A Detailed Guide
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