Wind & Hail Damage
Available in Florida, Illinois, and Wisconsin
Specialized claim support for wind and hail damage to residential and commercial properties across Florida, Illinois, and Wisconsin.
Understanding Wind & Hail Damage
Hail and high-wind events can cause extensive yet sometimes hidden damage to roofing systems, siding, HVAC units, and vehicles. Insurance adjusters may dismiss cosmetic damage that actually compromises weatherproofing. Our inspectors identify every impact point using industry-standard hail mapping and wind-speed data.
Common Damage We Document
- Asphalt shingle bruising and granule loss
- Metal roof denting and seal failure
- Cracked or shattered skylights
- Vinyl and aluminum siding dents
- Gutter and downspout deformation
- HVAC condenser fin damage
- Window screen and trim impact marks
- Vehicle damage from hail
Why Wind & Hail Claims Are Under-paid
Insurance carriers use specific strategies to minimize payouts on wind & hail claims. Here's what to watch for:
- Carriers classify functional damage as "cosmetic" to avoid replacement costs
- Adjusters undercount hail impacts using inconsistent test-square methods
- Wind damage is attributed to "normal wear and tear" rather than storm events
- Scope is limited to visible damage, ignoring internal compromise of roofing underlayment
- Depreciation schedules reduce payouts below actual repair costs
How Liberty Can Help
We use industry-standard hail mapping, NOAA weather data, and manufacturer specifications to prove functional damage that carriers try to dismiss as cosmetic. Every impact point is photographed, measured, and documented to the standards that insurance companies cannot ignore. When carriers push back, we have the forensic evidence to prevail.
Time-Sensitive
Hail damage can worsen with each subsequent rain event. Document your claim before leaks develop and secondary damage multiplies repair costs.
State-Specific Information
Florida
Florida's sub-tropical climate means hail damage degrades rapidly. The 25 % damage rule may qualify your roof for full replacement. Fee cap: 10 % standard / 20 % supplemental.
Illinois
Illinois experiences frequent severe hailstorms, particularly in spring and summer. The state does not cap public adjuster fees, but Liberty maintains competitive, transparent pricing.
Wisconsin
Wisconsin's freeze-thaw cycles make hail-damaged roofs particularly vulnerable. Our adjusters document damage in the context of Wisconsin's climate to prove accelerated deterioration.
Our Wind & Hail Claim Process
Free Claim Review
Contact us for a no-cost evaluation of your wind & hail claim. We'll review your policy and assess your situation.
Property Inspection
Our team conducts a thorough on-site inspection using drones, thermal imaging, and forensic documentation tools.
Claim Preparation
We prepare a comprehensive claim package including detailed damage estimates, photographic evidence, and policy analysis.
Carrier Negotiation
We negotiate directly with the insurance company, presenting evidence that supports the maximum settlement under your policy.
Settlement & Recovery
We secure your settlement and ensure all covered damages are included. Our fee is only collected after you are paid.
Real Results for Real People
Our clients consistently recover significantly more than the insurance company's initial offer. Here's what they have to say.
Ready to Get Started?
Schedule a free estimate with us today!