Different types of property damage create different claim challenges. Choose your claim type below to see what’s commonly missed.
Initial estimates often focus on the most visible damage and miss related components, secondary impacts, or system-level requirements that affect proper repairs.
Photos, measurements, and notes may not fully capture the extent of the damage, how it occurred, or how far it extends beyond obvious areas.
Coverage decisions depend on how damage is classified and documented. When policy language isn’t applied consistently, scope and payment disputes follow.
Document the Loss
Complete inspection and photo documentation of all damage, including impacts, collateral items, and secondary effects.
Align the Scope
Ensure the estimate reflects system requirements, code compliance, and full repair needs.
Tie to Policy
Match documented damage to policy language and coverage provisions clearly.
Handle the Carrier
Manage all communication and negotiation with the insurance company directly.
Keep It Consistent
Maintain clear documentation and consistent explanations throughout the process.
No. Hail damage often affects slopes, elevations, or components that aren't visible from the ground. Impact patterns can vary across the roof and collateral items, and damage is frequently missed without a detailed inspection and documentation.
It can be labeled that way, but classification depends on evidence. When impact patterns, fracture characteristics, and collateral damage are properly documented, hail-related damage can be distinguished from age-related wear.
Partial repairs may be appropriate in limited situations, but they often create long-term issues when materials, slopes, or system requirements don’t align. Proper documentation helps determine whether partial repair or full replacement is supported.
