We are public insurance adjusters serving Pennsylvania, New Jersey, Delaware, and Maryland. We assist homeowners and business property owners with documenting hail losses, preparing claim information, and communicating with insurers under a written service agreement.
Document the damage
If it is safe, photograph visible damage from the ground and record the storm date. Keep any earlier pictures or maintenance records that show the property's condition before the event. Reports from qualified inspectors can help explain what they observed and the basis for recommended repairs.
Records may include:
- Dated photographs of affected exterior surfaces.
- Inspection findings that identify damaged areas.
- Roof installation dates and repair records.
- Itemized estimates with materials and quantities.
- Receipts for temporary protection or emergency work.
Do not climb onto a roof to gather information. Let qualified professionals evaluate areas that cannot be reached safely.
Review the scope of repair
The repair scope describes which areas need work and what that work involves. A hail claim may raise questions about the condition of roof materials, siding, or other surfaces. The evidence needs to connect the claimed repair to damage from the reported event.
We review the records and compare supported findings with the insurer's estimate. If an area appears missing or a repair item needs explanation, we help present the question with relevant documentation. A full roof replacement should never be promised before the damage and policy have been reviewed.
Understand how payment is calculated
The policy's settlement terms can affect the amount paid. Actual cash value generally reflects age and wear through depreciation. Replacement cost coverage follows different terms and may require repairs before additional amounts are paid. Deductibles and policy limits also matter.
Some policies have special provisions for roofs or wind and hail losses. The condition of the property before the storm can affect the review. We help explain terms and identify questions about the estimate, rather than treating every roof claim the same way.
Keep the claim records together
Save letters, emails, inspection appointments, estimates, and notes from conversations with the insurer. If a contractor revises an estimate, keep both versions and ask what changed. Records make it easier to compare the evidence and follow the claim's progress.
Report the damage promptly and take safe, reasonable steps to prevent more damage. Seeking public adjusting help does not extend reporting or claim deadlines.
Discuss your hail damage concerns
Wheeler can review whether our services fit your situation and explain the proposed work and fees. Coverage and settlement amounts depend on the policy and the facts; a larger payment is never guaranteed.
Call 610-361-9704 or email info@wheeleradjustment.com. Share the property location, storm date if known, and any questions about the estimate or inspection findings.