Essential Tips After the Recent Hailstorm

Hey there, Colorado 🌨️ !  Did you catch that hailstorm that just rolled through the Denver Metro area?  If you didn't hear it, you definitely felt it!  Those ice missiles can really pack a punch, and while we're used to some wild weather, it’s always a bit of a shock when it happens.

But don’t worry, your pals at R Squared Real Estate have got your back.  We're here to help you navigate the aftermath with some top-notch advice from the Colorado Division of Insurance (DOI).  So, let’s dive in and tackle this storm like pros!

1. Assess the Damage and Start Your Claim

First things first: check out the damage to your home and car.  Got dents, broken windows, or roof damage?  Snap some pics!  Then, reach out to your insurance company or agent to start the claim process.  If you need help finding their contact info, the DOI is just a call away.

2. Beware of Roofing Fraud

After a storm, those roofing contractors come out of the woodwork.  Some are legit, but others… not so much.  If someone shows up at your door or gives you a call, do your homework.  Check their references and stick with Colorado-based contractors.  And remember, always get everything in writing.

3. Document and Mitigate the Damage

Once it's safe, document all the damage.  Your insurance company will appreciate those photos!  Also, try to prevent further damage by covering broken windows or placing tarps over leaky roofs.

4. Know Your Deductibles

It’s crucial to know your policy deductibles.  Whether it’s your home or your car, you’ll need to pay the deductible amount.  Check your policy declarations for the specifics.

5. Ask Questions

When you file a claim, you’ll work with a claims adjuster.  Don’t be shy - ask for a detailed explanation of the settlement offer.  If there’s a disagreement, get the specific policy language that’s causing the hiccup.

6. Don't Rush into a Settlement

Not happy with the first offer?  Negotiate!  Get multiple quotes from contractors if needed, and make sure you’re getting a fair deal.

7. Public Adjusters

Sometimes, public adjusters will contact you after a storm.  They work for you, not the insurance company, but they do charge a fee.  Make sure they’re licensed and read any contracts carefully.

8. Repair Cost Estimates Can Change

The first estimate for repairs isn’t always the final one.  Additional damage might be found once repairs start.  Keep your insurer in the loop to avoid any surprises.

9. Contact the Colorado Division of Insurance (DOI)

While your claims need to be filed with your insurance company, the DOI can assist consumers with questions about insurance and the claims process. Contact the DOI Consumer Services Team at: 303-894-7490 / [email protected]

Know Your Policy

Colorado’s weather is as wild as a rodeo, so it’s vital to know your insurance policies inside and out.  Review them annually and ensure they meet your needs.  Trust us, the worst time to figure this out is when you’re already dealing with damage.

For more tips on being disaster-ready, check out the DOI’s resources here.

Stay safe, stay savvy, and let’s weather these storms together! 🌩️

About R Squared Real Estate: We’re committed to building lasting relationships with our clients, treating you with the honesty, respect, and genuine care you deserve. Whether you need help with real estate or navigating the aftermath of a storm, we're here for you. Let’s keep Colorado homes safe and sound!

Got questions or need real estate advice? Reach out to us at [email protected] or give us a call at 720-935-0248.  We're always here to help!

The information provided is for informational purposes only and should not be construed as legal advice.  For legal inquiries, please consult a licensed attorney in Colorado.

RANDY AVILA | 720-935-0248 | [email protected]