Many Texans are looking excitedly to Spring after a turbulent wintery patch in February that brought damaging conditions and impacted all 254 Texas counties. The word spring generally evokes pleasant imagery of budding flowers, sunny days, and gentle rain showers. Realistically, the meteorological spring brings hail season along with it, and an uptick in hail damage claims.
Common Claims
Hailstones can range in size from a minuscule pellet to a grapefruit-sized chunk of ice. Regardless of the hail’s size, it can cause significant damage to property. That’s why many Texas insurance policyholders have hail damage insurance coverage for their homes, vehicles, crops, and livestock. It’s common for policyholders to file claims for damaged roofs, dented cars, broken windows, and decimated crops. There’s no shortage of hail damage claims during the spring, and it’s a busy time of year for insurance adjusters who are eager to get out in the field.
Hail Storm Weather Conditions
Northern Texas frequently has the perfect weather conditions to foster hail storms. Hail is possible during any thunderstorm, especially when the atmosphere is full of moisture. In Texas, that moisture comes from the Gulf Coast. Spring hail storms are more likely to occur when the temperature fluctuates a lot and the conditions quickly alternate between wet and dry.
This weather phenomenon occurs when the height of the cumulonimbus clouds aka the thunderheads are taller than the freezing point. When this happens the clouds produce an updraft. The updraft then produces hail. The longer the precipitation is suspended in the air, the larger the hailstones will be upon impact.
Inspection Process
Once you’re assigned a case, you’ll travel to the damaged property to begin your investigation. You’ll be responsible for determining if the insured property has sustained enough damage to warrant the insurance company paying for a replacement or repair. You will inspect all surfaces and mark the points of impact, before sending your findings to the insurance company. Then, the insurance provider will be responsible for approving or denying the client’s claim. Oftentimes, for home hail damage claims the policyholder’s contractor may be present to help their client and to ensure they get the largest payout possible. You should be prepared to work in conjunction with roofing contractors and pump the breaks when they overstep.
2021 Training
The expert insurance adjusters at 2021 Training are dedicated to teaching the next generation of adjusters the practical skills they need to navigate the insurance industry. 2021 Training provides a convenient and accessible online learning platform so students can set their own schedules and stay within their budget. This means you can take as long as you need to complete the course. Or you can finish the course over a long weekend and take our licensing exam. The licensing exam is approved by the Texas Department of Insurance. After you pass, you’ll have everything you need to apply for your Texas Insurance Adjusters License. If you’re ready to start on this exciting career path and start closing out hail damage claims fast, visit our website to sign up for one of our comprehensive courses.