Skip to main content

Hail & Lightning Damage Claim Experts

Hail & Lightning Damage Insurance Claims Experts: Guiding You Through the Process

At CCMI, we specialize in providing expert support and assistance to individuals and businesses dealing with hail and lightning damage claims. Our team of seasoned professionals is dedicated to helping you navigate the intricacies of the claims process. We’re here to serve as your advocate, ensuring you receive the maximum insurance payout for your hail and lightning damage-related losses.

“Dealing with the aftermath of Hurricane Ian has been a challenge. Century is continuing to walk us through the long process. Roberto has been great at keeping me informed and readily available for questions. The journey continues but I am glad to have Century representing me in my Ian claim.”

— Aura Brooks

Understanding Hail & Lightning Damage Claims

For Commercial & Residential Claims

Types of Hail & Lightning Damage

Hailstorms and lightning strikes can result in various types of damage to both residential and commercial properties. These damages may include structural issues, damage to roofs and exteriors, electrical system damage, loss of personal or business property, and more. Gaining a comprehensive understanding of the specific types of damage you may encounter is the initial step in evaluating your insurance coverage and initiating a thorough hail and lightning damage insurance claim.

Common Insurance Policies

Property owners often rely on insurance coverage to safeguard their assets. We meticulously review your insurance policy, whether it’s your homeowner’s insurance, commercial property insurance, or specialized hail and lightning damage insurance. Our experts will help you assess your losses in relation to your coverage.

Inclusions and Exclusions

Insurance policies come with distinct coverage limits and exclusions that can vary significantly between homeowner and business policies. We delve into the specific coverage components that may apply to your situation and elucidate potential exclusions that you should be mindful of. Understanding these details is crucial in ascertaining the scope of your claim and ensuring you have adequate protection.

Demystifying the Claims Process

Navigating the claims process following hail and lightning damage is essential for property owners. We offer an in-depth explanation of the typical stages involved in initiating a hail and lightning damage insurance claim. This encompasses the initial damage assessment, meticulous documentation, claim submission, and preparing you for negotiations with your insurance company during the claims settlement process.

Commonly Covered Items for Hail & Lightning Damage Claims:

  • Structural damage to buildings, including roofs, walls, and foundations.
  • Damage to personal or business property, such as vehicles, electronics, inventory, and equipment.
  • Electrical system damage and the costs associated with repairs.
  • Water damage resulting from hail or lightning, including harm to interiors and belongings.
  • Business interruption losses stemming from hail and lightning damage, leading to temporary closure or reduced operations.
  • Additional living expenses for homeowners, covering temporary accommodation and heightened living costs during property restoration.
  • Costs associated with debris removal to clear and dispose of damaged materials.
  • Loss of use coverage, reimbursing homeowners or businesses for additional living or operational expenses incurred while the property is under repair.
  • Expenses for emergency repairs to prevent further damage.

By reviewing your specific insurance policy, we can pinpoint the precise coverage offered and any potential limitations or exclusions that may apply to hail and lightning damage-related damages. Coverage can significantly vary depending on the policy and the insurance provider.

Schedule a Free Claim Evaluation