Louisville, Kentucky Insurance Dispute Lawyers Handling Hail Claims
Strong advocacy for Kentucky policyholders when hail damages your home or business
At McWherter Scott & Bobbitt, we help homeowners and commercial property owners assess the cost of repairing your roof or replacing your roof, as well as any other portions of your property that are damaged by hail. Our Kentucky hail damage lawyers work with professional roofers and window replacement professionals to properly value the insurance proceeds you need. We’re ready for every argument insurance companies use to try to deny or reduce your claim. We’ll help you obtain the insurance proceeds you deserve.
How can we help?
- Do I need hail insurance when I live in Kentucky?
- What kinds of damage does hail cause to properties?
- Do you have experience representing hail victims?
- How do your insurance loss lawyers fight for Kentucky policyholders?
- Potential causes of dispute Do you have a Kentucky hailstorm insurance claim lawyer near me?
Do I need hail insurance when I live in Kentucky?
WHAS11 reported that as recently as February 28, 2024, several storms ripped through Kentucky “leaving behind damage and golf ball-sized hail.” WDRB reported on May 9, 2023, that storms left baseball-sized hail across Kentucky.
According to the National Aeronautics and Space Administration (NASA):
Hail forms when thunderstorm updrafts are strong enough to carry water droplets well above the freezing level. This freezing process forms a hailstone, which can grow as additional water freezes onto it. Eventually, the hailstone becomes too heavy for the updrafts to support it and it falls to the ground.
Hail can occur when it’s warm. Krissy Hurley, a National Weather Service meteorologist stated, “Some of our biggest hail events outside of tornadoes, have occurred in the summer months.”
What kinds of damage does hail cause to properties?
Hail can cause a lot of physical damage to:
- Roofs (including shingle damage and loss)
- Windows
- Rain gutters and downspouts
- Air-conditioning units
- Fences
- Carports
Hail can also damage bricks/soft metals and necessitate paint jobs. Depending on where and how it strikes, you can also find yourself with water damage or mold because of a hailstorm.
Our Kentucky insurance dispute lawyers will arrange to have experienced roofers and other contractors inspect every type of hail damage to your property.
Do you have experience representing hail victims?
McWherter Scott & Bobbitt is proud to have obtained the following recoveries for hail victims across the Southeast:
- $8,900,000 on behalf of a school district that suffered hail damage to many of its buildings.
- $7,000,000 in insurance proceeds for a municipality.
- $2,900,000 for a commercial property owner with structural damages.
- $1,985,000 for a shopping center when the center’s roof and other property were damaged.
- $1,750,000 for a church whose roof was damaged by hail.
- $1,200,000 for the owner of commercial property after the first claim for insurance payments was denied.
How do your insurance loss lawyers fight for Kentucky policyholders?
McWherter Scott & Bobbitt helps residential and commercial property owners secure the compensation they need after a claim. You spent years paying for your policy: you should be able to rely on that coverage when hail damages your property.
We can assist you in a variety of ways:
- We’ll help you notify your insurance carrier and file your claim.
- We can help you find and choose inspectors and contractors. These professionals will assess the damage (including hidden or hard-to-find damage) and whether your roof (and other damaged property) can be fixed, or whether a full replacement of the roof/other damaged property is necessary. When necessary, we also work with engineers, building code officials, and architects.
- We obtain detailed estimates from these professionals that itemize the cost of materials and labor to repair or rebuild the roof/other damaged property. We also review any estimates by the contractors employed by your insurance company.
- We work to obtain advances for temporary lodging and other daily expenses if you need to relocate while the work is being done on your home after a hailstorm.
Potential causes of dispute
Our Kentucky hail damage claim lawyers review and respond to any positions by the insurance company that might deny or limit your claim. Some of the disputes that we handle include arguments by the insurance company that:
- Your homeowners’ or commercial property insurance doesn’t cover hail damage. Generally, unless hail damage is specifically excluded, you should be covered for hail damage.
- Actual cash value vs. replacement cost value. Insurance carriers will try to limit your payment to the actual cash value of your roof or other damaged property. We work to show that you’re entitled to the replacement value (the cost to rebuild a new roof or replace your damaged possessions). Replacement value is normally much higher than the actual cash value.
At McWherter Scott & Bobbitt, we’re skilled at negotiating settlements, arguing your rights before a panel of arbitrators, and trying your case before a jury. Our aim is to obtain the recovery you need so that the condition of your home, business property, and possessions is the same as it was before the hailstorm.
We also file bad faith claims if your insurance company tries to stall or frustrate you in the hope you’ll settle for less than you deserve.
Do you have a Kentucky hailstorm insurance claim lawyer near me?
Our Kentucky insurance loss lawyers meet hail damage victims at our office in Louisville, located at 2950 Breckenridge Ln, Suite 13-200. We also consult with policyholders by phone and through video.
At McWherter Scott & Bobbitt, our insurance loss attorneys will answer all your questions and guide you through each phase of the claims process.
Contact our insurance dispute lawyers after a hailstorm in Kentucky
Our Kentucky insurance dispute lawyers understand how traumatic it is when natural disasters such as hailstorms damage your property. We also understand how stressful these types of storms can be. We’re here to help. Please call us or use our contact form to schedule a consultation. We represent policyholders across the Southeast.