Hail damage Claims

Des Moines, Ia. Hailstorm

Get help with a fair settlement for your hail damage insurance claim.


C3 specializes in complex commercial property damage insurance claims.  We work on a contingency basis. Meaning if we do not recover additional insurance proceeds you pay us nothing. We get paid when you get paid. 

Therefore, we have a vested interest in resolving your claim ethically, properly, and promptly. With our average claim settlement over a million dollars, we understand the importance of having the highest quality work product and documentation packages to resolve our client’s insurance claim disputes.  

To get started, we will evaluate and review your insurance policy to confirm coverage for your loss. Our team will perform a property damage assessment, review any possible business interruption claims, and utilize meteorologist reports to qualify your claim.

set your client's insurance claim up for success from the beginning.

Get training on how to successfully set an insurance claim up for a smooth process to a quick and accurate settlement. 


Save time, ensure your clients get what’s rightfully owed to them and get paid faster with an insurance partner.

Success Stories

We are hail damage experts but don’t take it from us, let our wins speak for themselves.

HOA Hail Damage Insurance Claim Settled

Hail and wind damage – Denver, CO.

A multi-family townhome association with 26 total hail-damaged buildings. Prior to C3 Group’s involvement, the insurer issued $71,208.65 in payments to the insured ten months after the claim was filed, covering only minor repairs. C3 Group was retained by the board and 30 days following their proof of loss submission, the claim was settled at $2,295,439.19 in replacement cost coverage. 

Wind and hail damage – San Antonio, TX.

Rancho Sunset Plaza is a 90,000 SF freestanding shopping center that was hit with baseball-size hail sustaining extensive damage to the roof, stucco, and HVAC units. The insurance carrier hired an engineering firm whose determination was that the roof did not lose functionality, which resulted in a denied claim. C3 Group was able to successfully illustrate the severity of the damage, combat the unfair depreciation of building materials, and negotiate a final settlement of $1.97M.

Hail and wind damage – Roggen, CO.

Lost Creek Dairy Farm consists of live-stock, free stall structures, silos, a milking parlor, and more. A third-party consulting firm was hired by the insurance company to evaluate the damage and prepare an estimate resulting in a settlement offer of $830,000 from their Insurance Company. C3 Group was retained to combat the insufficient settlement offer resulting in an additional $9M recovered for the claim. 

Common questions about
hail damage claims

Understand the important things to consider and get answers to your top
questions around your hail damage insurance claim.

How do I know if I should turn in a hail claim?

It’s best to contact a professional to validate damages BEFORE you notify your insurance company in order to avoid a frivolous claim. There are no hard and fast rules on what warrants damage. For example even 1” hail and 60 mph gusts can cause damage depending on the surface it impacts. (Watch this video for an example.)

Will a hail claim raise my premiums?

Typically an “act of god” claim will not increase your premium. However, even if you don’t submit a claim or are not affected by a large catastrophic storm, you may see a rate increase as many other people submit claims.

Can I dispute my hail claim?

Who do you trust, your contractor or your insurance adjuster? If you have an active claim and you have a large dispute between the amount paid by insurance and what your contractor is stating, it’s a good idea to contact a public adjuster, who can assist you in disputing the claim.

What do I do if my claim gets denied or underpaid?

If you have a claim denial or a partially denied claim, it is a good idea to have a licensed public adjuster or attorney review the file to provide a secondary coverage opinion. Our team can review your claim for free.

How do I know if I need a public adjuster on my hail claim?

A qualified restoration contractor can provide an estimate and guide you through the residential claims process. However, if you own or manage a commercial property, policies become more complex and require more detailed reviews of coverage. Oftentimes, insurance companies will require detailed estimates written in a software program, Xactimate. And unfortunately, the vast majority of commercial property claims are underpaid. Our team is certified in Xactimate and includes one of only 48 Xactimate Certified Trainers in the nation. We also have the insurance knowledge and industry expertise you need to ensure your claim is filed accurately, negotiated professionally and paid fairly.

What if my insurance company doesn’t pay Overhead and Profit on my hail claim?

This is a common problem with some insurance companies and it’s unfair and in some states – illegal. Overhead and profit, (“O & P”) is a known expense that all contractors charge, usually at a rate of 10% and 10%. Sometimes insurers will not pay this on the roofing portion of the claim because they believe it’s already part of the Xactimate estimate. Check out our white paper to learn why this is incorrect.

As a contractor, why should I engage a public adjuster on a hail claim?

A public adjuster can help with scaling your company by taking out the everyday minutia of writing an estimate, corresponding with stakeholders and insurance company reps and navigating policy intricacies. We also have the training and expertise to handle claim red flags on behalf of you and your customer, including when/if to engage an engineer, policy coverage, delays, unwarranted denials or underpayment. Furthermore, there are legal limits to what a contractor can do when dealing with insurance claims. Contractors working with policyholders should check the public adjuster statutes in their jurisdiction to ensure they are not acting as an unlicensed public adjuster when assisting in claims.

Handling your hail damage insurance claims
from start to finish

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What should I do when my
property gets damaged by hail?

Document damage
01 Before filing the claim, photograph and video all the damages. For example, record hail size, damage to roofs, etc.
Inspect & estimate
02 Contact a qualified damage expert like a public adjuster to inspect, verify and quantify damage with an estimate. Avoid submitting frivolous claims where damages don’t exceed your deductible or the property didn’t sustain a covered cause of loss under your policy.
Mitigate damages
03 Policyholders are required to protect covered property from further damage. Failure to do so may result in denied coverage. Be sure to document and photograph everything, limit the amount of demo a company performs and avoid doing anything to permanently alter the structure.
File the claim
04 Once you’ve determined the need for a claim, submit the claim to the carrier for “wind and hail damage” (not just wind or just hail, as that may limit their inspection). Include all of the detailed information you have compiled in the steps above. Also, be aware of time limits that may apply, including:
    • Making claim for replacement cost value (RCV)
    • “Suit Against Us” provisions
    • Proof of Loss
    • Statutory requirements
    • Business interruption/extra expense
Start a claim diary
05 List every person/adjuster and the date they inspect the property. Keep an account of conversations and always get as much possible in writing. (Pro tip: summarize important phone conversations in an email back to the insurance adjuster making sure to verify any verbal commitments in writing.)
Prep for the adjuster
06 Consider hiring a public adjuster, who will prepare the estimate and claims package for you before the adjuster even steps foot on the property. Be aware of common “red flags” and contact a public adjuster or attorney if any of the following occur:
    • A need for engineers
    • Short inspections
    • Mentions of damages under deductible
    • Reservations of Rights
    • Claim denials or delays
    • Examination under oath (EUOs)
Get a valuation of damage
07 Twenty-two of the 25 major U.S. insurance companies rely on the estimating software, Xactimate, to quantify damage. If your contractor does not use Xactimate, that’s okay. However, consider bringing in a public adjuster who does use this software in order to produce the most thorough, accurate estimate and ensure every nook and cranny is inspected.
Get payout/complete repairs
08 Before you sign a waiver of rights or a Proof of Loss, make sure you are satisfied with the proposed settlement. Signing documents like these can oftentimes prevent you from recovering anything further, including supplements.
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