You have a house in the great state of Louisiana that just happened to be in the path of a hail storm but your not worried because you have good insurance or do you. If you wait until after a storm to find out if your insurance company does not pay claims good you could be in for a very expensive lesson.
I have written nearly three hundred articles to date on buying and selling real estate, buying damaged homes, how to find damaged homes rehab and sell them and just about every topic dealing with all facets of buying and selling real estate. The one thing I have not written about is what happens when you own a house you have no desire to sale and a hail storm hits your home and the insurance company refuses to pay for the damage.
Most people trust their insurance company without regard to to their own well being but what do you do when your insurance company denies your claim. After a hail storm the one thing you count on is your insurance company paying for the damage to your house. What do you do if your insurance company denies your claim?
Anyone that has ever read one of my articles knows that I always write for my personal experiences and thats what makes my advice real and worth at least checking out. I have rehabbed over 400 houses in four different states which might gives me less experience than some but probably more than most. I have seen and used several different insurance companies in different states and have run into one company you had better beware of and in my personal experience you need to drop and get better coverage and that is State Farm Insurance.
I was in Greenwell Springs Louisiana in October making roof inspections from the September 28th hail storm. I meet and inspected a elderly ladies home and like on many other in the area found hail damage. I went down from the roof and like always showed pictures of the damage on my IPad, I never just tell a homeowner they have damage I show what I find and leave the decision to make a claim with the homeowner.
If there is anything I wish you to take from this article, it is to talk to your neighbors and find the ones that have had a claim and ask how the process went and then make your assessment of which insurance company you should insure what is likely your most expensive asset and remember I would not insure a go cart with State Farm and Barry Boudreaux is one sorry individual to make an 87 year old woman cry over a roof.