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Category: Storm Damage

The Insurance Claim Learning Hub

Commercial property damage due to high winds March 2026

Understanding Insurance Claims After Storm Damage

March 24, 2026 No Comments

Severe wind and hail storms across Ohio in March 2026 caused significant structural damage to commercial properties, particularly from tree impacts and roofing failures.

Property owners are encouraged to act quickly. Filing claims within the first 30 days helps preserve critical evidence and supports timely compliance with policy requirements, including potential 60-day Proof of Loss deadlines.

While smaller losses may be handled directly by insurers, larger or more complex claims often require coordinated input from multiple experts. Early involvement and proper documentation are key to ensuring the full scope of damage is recognized and fairly evaluated.

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The Dangers of Aggressive Contractors in Home Insurance Claims

December 29, 2025 No Comments

Aggressive contractor tactics following storms and major weather events have drawn increasing scrutiny as some companies pressure homeowners into premature agreements or attempt to influence the insurance claims process. States are responding through stricter enforcement of public adjuster licensing laws, consumer-protection measures, and regulations targeting high-pressure solicitation. In Ohio, existing laws governing public adjusters, prohibitions on unauthorized claim handling, and home-solicitation protections form the foundation of these efforts, with additional proposals aimed at reducing post-loss contractor influence. These initiatives seek to protect policyholders, preserve the integrity of the claims process, and clarify the legal boundaries between contractors, adjusters, and insurers.

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When One Storm Becomes Three Claims: Understanding Causation and Policyholder Remedies

October 20, 2025 No Comments

When a single event, such as a lightning strike, causes multiple types of damage, some adjusters may insist the policyholder file separate claims for each resulting loss. In most cases, however, these damages should be treated as one claim arising from a single occurrence. This article explains how improper “claim splitting” can cost policyholders multiple deductibles, delay payment, and distort their claim history. It also outlines steps Ohio policyholders can take to challenge such determinations, including filing a complaint with the Ohio Department of Insurance under Administrative Code 3901-1-54, engaging a licensed public adjuster, and preserving their rights under bad faith protections.

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hail spatter

Does Spatter Matter? The Debate Over Hail Verification and Aluminum Siding

October 7, 2025 No Comments

When hail hits, everyone starts looking for proof — and “hail spatter” often becomes the focus of debate. Does the presence or absence of spatter really determine whether damage is recent or covered? This article explores both sides of the argument, from the contractor’s field perspective to the attorney’s view of the carrier’s duty to investigate. Ultimately, while spatter can help tell the story of a storm, it’s only one clue in a much larger picture.

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Satellite office in KY

Green Public

Insurance Adjusting

Is now in Kentucky serving clients affected by the tornados. Stop by our satellite location at 3205 US Highway 641 N in Benton, KY. We’re just down the road from the Kentucky Opry.