Hail Damage Claims

Wind and hail damage is not mandatory in Florida. By law, Florida insurance companies are required to allow you to exclude wind insurance coverage from your homeowners’ insurance policy as long as you submit a written request.

Hailstorms can cause significant damage to your roof, windows, vehicles and more.

If you're a Florida resident facing the aftermath of a hailstorm, here's what you should know to navigate this situation effectively and to help ensure you get the compensation you deserve to be made whole.

  1. Document the Damage: Start by thoroughly documenting the hail damage. Take photos and videos, and make a list of affected items or areas. This evidence will assist with your insurance claim.
  2. Review Your Policy: Familiarize yourself with your insurance policy to understand what it covers. Hail damage is typically covered, but deductibles and coverage limits may apply.
  3. Contact Your Insurance Company: Notify your insurance provider as soon as possible. They will guide you through the claims process and provide you with the necessary forms to fill out.
  4. File a Claim Promptly: It's essential to file your hail damage insurance claim promptly. Delays can complicate the process and may result in the denial of your claim.
  5. Provide Detailed Information: When submitting your claim, provide information including the date of the hailstorm, a description of the damage, and the estimated cost of repairs.
  6. Schedule an Inspection: Your insurance company will likely send an adjuster to assess the damage. Be present during the inspection to ensure all damages are properly documented.
  7. Obtain Repair Estimates: Get estimates from reputable contractors for the repair work needed. Share these estimates with your insurance company to support your claim.
  8. Negotiate Fairly: If there are disputes over the settlement, work with your insurance company to negotiate a fair and equitable resolution.
  9. Understand Deductibles: Remember that you may have to pay a deductible. Be aware of this cost and how it affects your overall compensation.
  10. Stay Informed: Keep up to date with changes in Florida insurance regulations and policies that may impact your hail damage claim.


Dealing with hail damage can be stressful, but knowing the ins and outs of the insurance claims process in Florida can help ensure you receive the compensation you need to restore your property. If you have questions or encounter challenges, consider consulting with an attorney to guide you through the process effectively. You can call us at 321-283-5888 or contact us online to see how we may be able to fight for your claim!

If you are interviewing law firms for your property damage claim with a significant amount of damages at issue, you should ask the law firm whether it has successfully resolved such claims in the past.  Successfully handling such claims often requires a law firm with trial experience and the ability to hire costly experts.  StrubleCohen has tried over 50 cases.  StrubleCohen also has the ability to front expert costs that can exceed six figures in providing its clients with the evidence needed to prevail on large claims and combat the insurer’s reports. The attorneys at StrubleCohen have successfully represented individuals, businesses, and associations in large claims, and examples are below.

If you are an attorney, association’s attorney, property manager, or claims professional interviewing law firms to assist a client with a property damage claim, you should likewise ask the firm how many similar claims the firm has handled.  It may be imperative that the law firm have a track record of handling such claims and the ability to front the costs required to obtain experts, which can be costly and necessary to overturn a denial or underpayment.

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Hail Damage Claims