A Nursing Home client, in a southern state, sustained wind/hail damage to their roof from a large hail storm. The insurance carrier sent an Independent Adjuster to inspect the damage. Their photos showed no visible hail damage to the roof. However, they did not take any photos of the metal (gutters, vents…) at that time. The adjuster discovered a leak in the roof and wrote an interior damage only estimate for an amount below the insured’s $5,000 deductible and the carrier closed their claim file with no payment.
Because there was a significant amount of hail in the area the insured was unhappy with how the claim was adjusted and expressed dissatisfaction with the claims process. The AssuredPartners Claim Consultant became involved and contacted the insured. We suggested that sometime hail damage takes time to manifest itself and suggested that the roof be re-inspected in the spring. That spring, the insured had a roofer inspect the roof. The roofer reported wind and hail damage to several slopes of the roof. They also reported significant hail damage to the metal vents on the roof.