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.
Get training on how to successfully set an insurance claim up for a smooth process to a quick and accurate settlement.
We are hail damage experts but don’t take it from us, let our wins speak for themselves.
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.
Understand the important things to consider and get answers to your top
questions around your hail damage insurance 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.)
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.
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.
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.
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.
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.
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.